HVAC work isn’t just about fixing furnaces or installing A/C systems—it’s about keeping people comfortable, compliant, and safe. But every job carries risk: property damage, equipment loss, injured workers, or even customer lawsuits. Whether you’re running a growing HVAC business or an established service company, you need insurance that keeps your operations covered without slowing you down.
At Keslar Insurance, we help HVAC contractors in New Hampshire, Maine, and Massachusetts secure smart, tailored insurance built for your trade—not a generic policy that misses key exposures.
Insurance for HVAC Contractors Who Need Coverage That Works as Hard as They Do
As your team grows and your jobs get more complex, you face risks in the field, in the office, and on the road. We help HVAC companies of all sizes—from 3 employees to 30+—build the right mix of coverage.
Common Coverages for HVAC Companies:
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General Liability – Covers property damage or bodily injury caused to others while you’re on the job.
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Commercial Property – Protects your shop, office, tools, equipment, and inventory stored on premises.
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Inland Marine (Tools & Equipment) – Covers mobile tools, compressors, welding kits, and HVAC equipment stored in trucks or job sites.
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Workers’ Compensation – Required in NH, ME, and MA if you have employees. Covers on-the-job injuries, even from slips, falls, or tool mishandling.
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Commercial Auto – Covers your work vans and trucks—especially critical if your crew travels daily.
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Contractor’s E&O (Errors & Omissions) – Covers job-related mistakes or performance disputes—such as improper installation, missed permits, or system design errors.
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Business Interruption – Helps you recover income if a fire or other covered loss shuts down your operations temporarily.
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Employment Practices Liability (EPLI) – Protects your business from internal disputes like harassment or wrongful termination claims.
We Specialize in Protecting Trades-Based Businesses Like Yours
You’re out in the field. You need insurance that’s fast, efficient, and flexible—so your jobs can keep moving.
- Licensed in NH, ME, and MA
- Fast turnaround on COIs for job sites and contracts
- Custom packages for HVAC contractors
- Support for growing teams and multi-vehicle operations
- Real people, not just portals, when you have questions
FAQs: Insurance for HVAC Contractors
1. What insurance does an HVAC company need to operate legally and safely?
Most HVAC companies need:
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General Liability
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Commercial Auto
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Workers’ Compensation
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Tools & Equipment coverage
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Property coverage (if you have a shop or office)
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Optional but wise: Contractor’s E&O, EPLI, and Business Interruption
2. What does General Liability cover for HVAC contractors?
It covers accidental property damage or injury to others—like causing water damage during an install or someone tripping over your tools at a job site.
3. What is Inland Marine insurance, and why is it important?
It covers your tools, diagnostic equipment, and materials—whether they’re in a truck, at a site, or in storage. These aren’t covered under basic Property policies.
4. What if a technician gets hurt on the job?
That’s what Workers’ Compensation is for. It covers medical bills, lost wages, and recovery costs—even if the injury was due to equipment misuse or lifting heavy units.
5. Do we need Commercial Auto if we use our own trucks?
Yes. Personal auto policies do not cover business use. If your vehicle is wrapped, used to transport tools, or driven to job sites—it needs Commercial Auto coverage.
6. What does Contractor’s E&O insurance cover?
It protects you if a client sues over a work error, improper installation, code violations, or failure to deliver as promised—even if you subcontracted the work.
7. Can I get a Certificate of Insurance quickly for a job or GC?
Yes. We provide same-day COIs in most cases, so you can get on the job site fast and stay compliant with contract requirements.
8. What’s typically excluded from a standard HVAC policy?
Most General Liability policies don’t cover faulty workmanship, employee disputes, cyberattacks, or tool theft from your truck without the proper endorsements.
9. Does my insurance cover sub-contractors?
Not automatically. If you use subs, you need to confirm they carry their own coverage and may need to list them as additional insureds. We can help manage that.
10. What if a fire or theft shuts down our shop for a few weeks?
Business Interruption insurance can help replace lost income, cover payroll, and keep your business stable until you’re up and running again.
11. How do I keep my premiums down as I grow?
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Keep driver and jobsite safety records clean
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Require COIs from all subcontractors
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Bundle policies with one carrier when possible
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Review your coverage annually as your headcount or fleet expands
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Work with a proactive agent who understands HVAC industry risks
Let’s Get You Covered—Without the Runaround
You know how to install systems that work. So do we. Let us help you build an insurance program that protects your team, your tools, and your bottom line.
