Construction & trades

HVAC contractors

Heating, ventilation, air conditioning, and refrigeration contractors installing and servicing systems.

Why it needs cover

The exposure

HVAC combines electrical, gas, and refrigerant risk inside occupied buildings. A refrigerant leak that warps flooring, a wiring fault that starts a fire, or a rooftop fall can each produce a serious claim.

What we place

Coverages this class usually needs

General liabilityOften (license)

Injury/property damage from installs and serviceCombined electrical/gas/refrigerant exposure

Workers' compensationRequired (with employees)

Injured-worker costsLadder/rooftop and refrigerant risk

Commercial autoRequired (owned vehicles)

Service vehiclesMobile trade

Inland marine (tools)Optional

Recovery machines, gauges, toolsHigh-value equipment

Commercial umbrellaOften (contract)

Excess limitsContract requirements

What it costs

National benchmark premiums

Rated on: Payroll (WC) and revenue (GL)

General liability

$78/mo; $76/mo median

BOP

$124/mo

Workers' comp

class code 5537, roughly $2.24-$5.14 per $100 payroll by state; HVAC WC averages ~$223/mo

Total annual (typical)

$5,000-$15,000/yr for a full package (GL + auto + WC + tools) for a small operation

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (HVAC cost); NEXT Insurance; ContractorNerd (NCCI 5537); Dragon Insurance.

When it goes E&S

Where this risk gets hard to place

LPG/propane work (higher explosion exposure) and prior fire/water losses can restrict admitted appetite and move risk to E&S.

Contact

Talk to us about HVAC contractors.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.