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Interior Design

HVAC Contractor Insurance

Insurance Alliance offers HVAC Contractor Insurance in Florida, Texas, Arizona, Idaho, and Washington. Our coverage includes General Liability, Property, Equipment, and Inland Marine protection—helping HVAC professionals protect their tools, vehicles, and crews from accidents, damages, and theft with dependable, affordable insurance tailored to their trade.

Image by Dan LeFebvre

Risks HVAC Contractors Face

  • Injuries from ladders, heavy equipment, and refrigerants

  • Liability for installation or repair errors

  • Theft of gauges, meters, and HVAC units

  • Auto accidents transporting tools and equipment

Core Coverages

  • General Liability

  • Workers’ Compensation

  • Inland Marine (tools & HVAC units)

  • Commercial Auto (trucks & trailers)

  • Contractor Bonds (state licensing)

  • Pollution Liability (for refrigerant/environmental exposure)

Repairing Air Conditioner
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