Commercial HVAC Insurance

Commercial HVAC insurance offers tailored coverage for contractors who install, service, and maintain heating, ventilation, and air conditioning systems across commercial and industrial properties. This vital protection helps cover risks such as property damage, equipment breakdowns, accidental injuries, and job site mishaps that can occur during installation or repair work. Whether you manage a small HVAC crew or operate a large service fleet, the right insurance keeps your business cool under pressure—protecting your tools, technicians, and bottom line.

Trusted by thousands of contractors across Illinois, Iowa, Missouri, and Wisconsin.

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HVAC General Liability Insurance

Accidents happen on any job. General liability insurance covers damage, injuries, and legal claims.

HVAC Workers Comp Insurance

Workers’ compensation insurance covers medical bills and lost wages for injured HVAC technicians.

HVAC Commercial Auto Insurance

Your HVAC vans keep you moving. Commercial auto insurance protects your vehicles and drivers.

HVAC Umbrella Insurance

When big claims exceed coverage, umbrella insurance adds extra protection for your HVAC business.

HVAC Inland Marine Insurance

Your HVAC tools travel daily. Inland marine insurance protects them in transit or on the job.

HVAC Contractor Bonds Insurance

Bonds build client trust. Contractor bonds insurance keeps HVAC businesses compliant on every job.

HVAC Cyber Insurance

Even HVAC businesses face cyber risks. Cyber insurance covers breaches, fraud, and recovery costs.

HVAC Professional Liability Insurance

Even pros make mistakes. Professional liability insurance covers legal costs and client claims.

HVAC Business Owners Policy (BOP)

A business owners policy combines key coverages to protect your HVAC business from everyday risks.

HVAC Commercial Property Insurance

Your building and tools power your HVAC business. Commercial property insurance covers fire, theft, and damage.

HVAC Insurance Risk Control

Prevention starts with planning. Risk control services help HVAC businesses improve safety and reduce accidents.

Fast Turnaround

Bringing efficiency to everything we do to get you covered quickly.

Proactive Service

Our account managers are here to help you whenever you need it.

Carrier Selection

Our wide range of business insurance carriers ensures great pricing.

We wouldn't trust our business to anyone else...

"Several years back we had a fairly significant claim on our business insurance. It wasn't until then that we realized how much we neglected our commercial insurance through the years. Patrick and his team stepped in when others couldn't help, and they've been a tremendous asset to our business ever since. If you need someone you can count on, they are incredible, and we highly recommend them! "

Commercial Client