HVAC Insurance

Helping customers, their homes, and businesses keep cool (or warm) is an admirable part of owning an HVAC small business.

Of course, owning an HVAC company does come with certain risks. HVAC businesses carry a unique set of hazards to employees, customers, and even business property that may be alleviated through proper HVAC insurance coverage.

If you own an HVAC business, your employees may face risks such as exposure to electric shock, falls, or repetitive stress injuries. Your customers could become injured by trip hazards like extension cords or step ladders. Your machinery could be dropped or otherwise damaged.

Fortunately, when you carry the right types of HVAC insurance, your customers, employees, and small business property may be covered.


What type of work needs HVAC insurance?

  • Plumbing, heating, and air-conditioning contractors

  • Electrical work inside buildings

  • And more…

  • Home and garden equipment and appliance repair and maintenance

  • Electrical apparatus (install, service, repair)

What are common types of HVAC insurance?

Workers’ comp

Workers’ compensation insurance, also called workman’s comp, helps protect HVAC small businesses and employees if they become ill or injured on the job. Get a quote in 3 minutes.

Business owner’s

A business owner’s policy (BOP) is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for an HVAC small business.

Commercial auto

Commercial automobile insurance is a type of policy that helps cover liability and physical damage for vehicles—such as cars, trucks, and vans—that are owned and operated by an HVAC small business.

Cyber risk

Cyber risk insurance, also called cyber liability insurance, helps cover HVAC small businesses for an event like a data breach—in which customer, employee, or company information is stolen or compromised.

Errors & omissions

Errors and omissions (E&O) insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the HVAC business provided.

General liability

General liability insurance is a type of policy that helps protect an HVAC small business against third-party claims that involve property damage, bodily injury, or advertising injury.

Small group health

Small business group health insurance may be provided by an HVAC small business to its employees to help them cover wellness costs—often including medical, dental, and vision care.

Specialized coverage

Additional specialized insurance policies—coverage types that are specific to the HVAC industry a small business operates within—may be built into a business owner’s policy or purchased separately.

Pie provides workers’ comp insurance for HVAC businesses. Learn more.