HVAC Contractor Insurance
Commercial General Liability built and priced built and priced for heating and cooling work, from tune-ups to full system installs.
Backed by industry leaders
Why do HVAC contractors need insurance?
You haul heavy equipment through finished homes, work on rooftops, and leave behind systems that run all day, every day. When something gets damaged or someone gets hurt, Commercial General Liability is the policy that can protect your business.
It can cover the claim and the legal defense. That’s why general contractors, property managers, and many licensing and permit offices want your certificate on file before you start.
What does HVAC contractor insurance cover?
01 / 04What makes Foxquilt's HVAC contractor insurance different?
Multiple trades? No problem
HVAC work plus duct cleaning or appliance repair on the side? Tell us the split and we price your real business.
Completely digital, start to finish
Quote and buy from the van, the rooftop, or between service calls. Do it on your own or with our team.
Certificates when you need them
Your COI is emailed the moment you buy. Need one naming the GC or property manager? We can help.
Foxquilt's HVAC contractor insurance is built for…
Don't see your trade? We write Commercial General Liability for over 500 professions.
Answers in, certificate out.
Every trade you work, on one policy.
Tell us about your business and our platform does the work of building you a policy that matches. It's quick, digital, and comprehensive.
A real price you can buy on the spot.
Your quote is priced instantly with the limits your contracts ask for. Choose a payment plan that works for you and pay online to put the coverage in force.
Certificates and policy docs, straight to your inbox.
Your COI and policy documents are emailed the moment you buy, so the GC or property manager has proof of insurance before your first call of the day.
What other coverages do HVAC contractors need?
Errors & Omissions
For the design, spec, and consulting side of your work: claims of financial loss caused by the advice or service you provided. With Foxquilt, you can hold CGL and E&O together.
See E&O Coverage →Can cover your own gear: the gauges, vacuum pump, recovery machine, and the stock in the van. CGL only pays for other people's property, so this is the other half of the pair.
Learn More→Can cover the vans and trucks you drive to every call. Your personal auto policy very likely excludes business use.
Learn More→Can cover medical care and lost wages when an employee or apprentice is hurt on the job, like a fall from a roof or a back injury hauling a furnace. Required in most U.S. states when you hire your first employee.
Learn More→Can cover a breach of customer data, a ransomware lock-out on your scheduling software, or a deposit wired to a fraudster.
Learn More→It depends on your trades, your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.
Depending on where your business is located and the work that you do, coverage limits available to you range from $1,000,000 to $5,000,000.
In many places, yes. Requirements are set by your state, province, or municipality, so check with your licensing board for the limit they need. You can choose that limit when you quote.
Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Yep! That's why contractors love Foxquilt. Add each profession during the application and assign a rough percentage of your work to each. We rate the blend, so a HVAC Contractor who also cleans ducts isn't priced as though all your work is a rooftop installation job.
Usually, yes. A homeowner's policy won't respond to a business claim, and a solo HVAC tech faces the same third-party injury and damage claims a ten-person operation does. Most general contractors and property managers require it in writing before you start.
Yes. Pay the annual premium up front, or spread it across monthly instalments at checkout. Either way coverage starts as soon as the first payment is confirmed.
It can cover water damage your work causes to a client’s or third party’s property, like a ceiling soaked by a leaking condensate line. Our team of experts is happy to review policy terms and exclusions with you before purchasing.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your HVAC contractor quote in under ten minutes.
Answer a few questions about your trades and get your certificate straight to your inbox today.