HVAC Contractor Insurance
Comprehensive protection for heating, ventilation, and air conditioning contractors. From refrigerant leaks to electrical hazards, we cover the risks you face every day.
Coverage Types for HVAC Contractors
Build a comprehensive insurance package that protects every aspect of your business.
Get Your Free HVAC Insurance Quote
Step 1 of 4
Let's Get Started
We just need a few details to begin your free quote.
🔒Your information is protected and will never be shared. We use it solely to find you the best insurance coverage and rates.
Most quotes delivered same day · 1-800-252-6885
Common HVAC Contractor Risks
Understanding these risks helps you choose the right coverage.
This is a real risk HVAC contractors face daily. Proper insurance coverage protects you from financial liability if this occurs on a job site.
This is a real risk HVAC contractors face daily. Proper insurance coverage protects you from financial liability if this occurs on a job site.
This is a real risk HVAC contractors face daily. Proper insurance coverage protects you from financial liability if this occurs on a job site.
This is a real risk HVAC contractors face daily. Proper insurance coverage protects you from financial liability if this occurs on a job site.
This is a real risk HVAC contractors face daily. Proper insurance coverage protects you from financial liability if this occurs on a job site.
This is a real risk HVAC contractors face daily. Proper insurance coverage protects you from financial liability if this occurs on a job site.
This is a real risk HVAC contractors face daily. Proper insurance coverage protects you from financial liability if this occurs on a job site.
This is a real risk HVAC contractors face daily. Proper insurance coverage protects you from financial liability if this occurs on a job site.
Why HVAC Contractors Choose Greene & Associates
30+ years insuring Florida contractors. We understand HVAC risks, EPA regulations, and the coverage you need.
HVAC Expertise
We understand refrigerant liability, equipment coverage, and the unique risks HVAC contractors face in Florida.
Fast COI Turnaround
Contractors need certificates for job sites fast. We provide same-day COIs so you can get to work.
Competitive HVAC Rates
We shop 20+ carriers to find the best contractor pricing. Get quality coverage without overpaying.
We shop 20+ commercial carriers to find the best HVAC contractor pricing. Get comprehensive coverage without overpaying.
HVAC Insurance Throughout Florida
Every Florida city has its own HVAC headaches. We insure contractors who know them all.
Jacksonville
Coastal humidity, hurricane prep, commercial AC for logistics warehouses near JAXPORT.
Orlando
Theme park HVAC contracts, hotel climate control, extreme summer heat loads.
Tampa
Gulf coast salt corrosion, hurricane shutdowns, high-rise condo HVAC systems.
Miami
Year-round cooling demand, luxury condo systems, strict building codes.
Based in Lake City, serving Florida statewide. We know the HVAC challenges in every corner of the state — and we'll find you the right coverage for your market.
HVAC Contractor Insurance FAQ
Does Florida require HVAC contractors to carry insurance?
While Florida doesn't mandate specific insurance for HVAC contractors, most clients and general contractors require general liability and workers compensation before allowing you on job sites. Additionally, many counties require proof of insurance for contractor licensing.
What insurance do I need for my HVAC van?
You need commercial auto insurance for your service vehicles. Personal auto policies typically won't cover business use. You'll want liability coverage, comprehensive coverage for theft/vandalism, and collision coverage. Also consider inland marine coverage for tools and equipment.
How much does HVAC contractor insurance cost?
Costs vary based on your crew size, revenue, coverage limits, and claims history. Most HVAC contractors pay $3,000-8,000/year for a comprehensive package including GL, WC, and commercial auto. We shop multiple carriers to find you the best rate.
Do I need separate tool insurance?
Your tools are your livelihood. While some coverage may be included in your business property policy, many HVAC contractors opt for inland marine 'tools floater' coverage which follows your tools wherever they go and provides better protection against theft and damage.
Trusted Carriers We Represent
