Business insurance designed for HVAC contractors

Our HVAC contractor business insurance is here to help with the unique risks that come with installing, repairing, and selling heating, ventilation, and air conditioning (HVAC) systems in commercial or residential buildings.

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Why HVAC contractors trust us

We have more than 100 years of experience creating custom-built insurance solutions for HVAC businesses.

Through our experience working with commercial HVAC contractors, residential HVAC contractors, and HVAC repair technicians, we understand the risks you’re exposed to on a daily basis.

So, whether you run your own company or work as a contractor, take advantage of our industry expertise to get a tailored and complete HVAC business insurance solution designed specifically for your needs.

At Federated Insurance, we provide:

  • Business insurance solutions designed for HVAC contractors
  • Dedicated advisors who work with you to tailor your HVAC business insurance to your exact needs
  • Expanded coverage options
  • Flexible payment and deductible options
  • Quick, no-hassle renewals

Common risks that HVAC contractors face

Whether you’re consulting with clients, responding to emergency repairs, or customizing components to fit specific installations, finding the right insurance can help protect your inventory, your employees, and your business in the event of financial loss. A few of the common risks that HVAC contractors can face include:

Liability risks

Since HVAC contractors work on residential and commercial sites, they’re exposed to liability risks such as third-party injuries and property damage. If a technician is drilling into the wall and accidentally hits a water pipe, or if a dolly scratches the client’s expensive hardware floors, the company could be held liable for the resulting damage.

Professional liability risks

Even if an HVAC contractor has packed up their tools and signed off on the job, they could still be on the hook for damages long after the job is finished. If a condensate drain pipe slowly leaks over time, causing mold, the company could be held liable for structural rot — even months or years later.

Hazards on the job

HVAC contractors often work in confined spaces, on ladders, or at extreme temperatures. The systems they work with rely on electricity, potentially exposing them to shocks and burns. They also work with hazardous chemicals and materials, such as refrigerants and insulation, which could produce toxic fumes or contain acidic chemicals that burn skin.

Stolen or damaged tools

It can be costly to replace or repair specialized or custom-designed tools if they’re lost, stolen, or damaged. HVAC contractors who have to wait for parts replacement or repairs may not be able to meet their project deadlines. Equipment malfunction could also pose other risks, such as fire.

Vehicle risks

Technicians who use a company vehicle to get to jobsites and transport equipment are at risk of collisions and other road-related hazards, as well as tool theft. If a personal vehicle is used for work purposes, it’s not typically covered by the owner’s personal auto policy, leaving drivers exposed if they face any vehicle-related hazards.

Insurance coverages for your HVAC business

Clients may require proof of insurance before hiring an HVAC contractor for a job. Without it, a contractor may be overlooked for potentially lucrative jobs. With it, they can build trust and credibility with clients — along with protecting their business from financial losses.

Protecting your HVAC business may require several different types of coverages. In addition to providing you with coverage for liability, property, and employees, our toolbox is filled with coverages designed specifically for your business to ensure that you’re properly protected:

Blanket Coverage:

We provide a blanket limit insurance coverage for all your business contents, whether on or off your premises.

Professional Liability:

We can help protect your business against claims of errors, professional negligence, failure to meet deadlines, and breach of contract.

Pollution Liability:

We can help protect you from environmental damages and costly clean-up expenses from toxic or semi-toxic materials.

Tools and Equipment:

We can help cover the costs of replacing or repairing items that are lost, stolen, or damaged while you’re in transit or on a jobsite.

Installation Floater:

We can help protect your business if the equipment or appliance you’re installing is damaged before or during installation.

Business Interruption:

We can help protect your business from a loss of income in the event your business is interrupted by a covered loss.

Cyber:

We’ll help to keep your business cyber safe with costs coverage for data recovery, customer breach communications, and e-commerce threats.

Company Vehicles:

We’ll help ensure you have the right coverage for all of your company vehicles, whether you have just one or a whole fleet.

We’re your HVAC industry experts

Our HVAC insurance expertise is defined by our relationships with leading industry associations such as the Canadian Home Builders’ Association, Sheet Metal and Air Conditioning Contractors National Association (Alberta) and the Association de la Construction du Québec.

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Work with us directly for tailored HVAC insurance coverage

Whatever your needs, our team of industry-trained experts will ensure that your HVAC business is properly protected.

We take the time to understand your business today and in the future, so that as your business evolves, we’ll be there to ensure that your coverage is aligned to meet your needs.

Value-added services for your manufacturing business

Once you become a customer, you’ll have access to an array of value-added services for your HVAC business, including:

Superior claims handling

Our claims professionals are skilled in handling claims in the HVAC industry. They’re available 24/7 to resolve your claim and get your business back up and running as quickly as possible.

Dedicated advisors

Our commercial insurance specialists have the expert knowledge and experience required to develop tailored insurance programs to fit the unique needs of your HVAC business, while also providing expert advice and support along the way.

Loss prevention expertise

Our highly-trained loss prevention consultants can answer your questions and provide you and your employees with valuable safety advice.

Safety programs

Our tools can help you create, implement, and maintain safety programs, with a focus on identifying, communicating, and mitigating risks.

Trauma assistance

Our confidential one-on-one counselling services can help you through traumatic loss.

Latest blog posts for HVAC businesses

Because HVAC insurance isn’t the only thing on your mind, check out our latest blog posts for tips on business, customer, employee, and operational safety: