HVAC insurance that keeps work moving
Keep projects on schedule. We'll help protect the rest. From rooftop unit service and seasonal rushes to vehicle accidents and data risks, one incident can disrupt work and cash flow. Our small business team helps you align coverage with how you bid, dispatch and complete installs and service calls.
- HVAC Businesses We Cover
- Residential HVAC contractor
- Commercial HVAC contractors
- Industrial HVAC and refrigeration
- Ductwork and sheet metal fabrication/install
- Hydronics (boilers, chillers, pumps)
- Controls and building automation
- Indoor air quality (IAQ) and ventilation specialists
- Heat pump and mini‑split installers
- Energy efficiency and retrofit contractors
- Refrigeration and cold storage service
- EV/Server room cooling and specialty systems
What we cover
At Gallagher, we understand the unique challenges you face in the HVAC industry. Our small business advisors collaborate with you to craft an insurance program that addresses your specific needs. Explore our range of coverage below:
- Business owner's policy (BOP): Core protection for your office/shop, equipment and parts, plus income if you can't operate after a covered loss.
- Commercial auto: For company trucks and vans transporting HVAC materials or crew; helps cover certain damages and third‑party injuries.
- Cyber: Helps with breach response costs if customer or project data is compromised, including notifications and credit monitoring.
- Contractors professional liability: If a design/installation error leads to covered damage or system failure, this can help with related claims.
- Umbrella / excess liability: Extra protection when a major claim exceeds your primary limits.
- Workers' compensation: Medical care and wage replacement for covered jobsite injuries, from refrigerant burns to rooftop falls.
Optional add-ons contractors often request (availability varies by insurer/state):
- Tools & equipment (inland marine) — mobile equipment and tools on jobsites and in transit.
- Installation floater — materials and equipment from purchase through installation.
- Contractor's pollution liability — for certain pollutant exposures related to HVAC work (e.g., refrigerants).
- License & permit bonds — where required by jurisdiction or utility.
Why HVAC contractors choose Gallagher
Choice: We offer more value from broader market access: Backed by Arthur J. Gallagher, we leverage deep carrier relationships to match you with the right coverage at the right price.
HVAC know‑how: Our licensed small business team understands installation, service, retrofit and maintenance workflows — and tailors solutions to fit.
Claims advocacy: If something happens, we help you communicate with your carrier and move claims forward — fast.
Support that fits your pace: Use our self‑service portal 24/7, or speak with an advisor whenever you need help.
How we work with you
HVAC Contractors encounter various obstacles when clients request their services. Whether it's performing regular system checks, implementing energy-efficient solutions, or retrofitting existing units, unexpected issues can arise, threatening your workflow. Our team of risk management experts collaborates with both comprehensive and niche HVAC Contractors, recognizing the unique challenges you face.
Our team of licensed small business insurance experts speaks your language with the goal of making your experience simple and worry-free. We take the time to:
- Listen: How you scope and staff work (employees vs. subs), vehicle fleet, refrigerant handling and safety practices.
- Gather: We collect what's needed (applications and basics) so you don't have to repeat yourself.
- Negotiate: We go to market for comprehensive, HVAC‑specific coverage.
- Review: We walk you through a clear proposal — line by line.
- Secure: We bind coverage so your business stays protected.
Ready to protect your HVAC business?
Get HVAC contractor insurance tailored to your needs.