HVAC Contractor Insurance
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
Heating and cooling insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the heating, ventilation and air conditioning insurance you need to protect your HVAC business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Contractors’ E&O
- Commercial auto
- Workers’ compensation
- Tools and equipment
- Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for HVAC contractors and business owners and save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
HVAC general liability insurance covers a wide range of HVAC accidents and risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners, individual clients and licensing agencies. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O
Coverage against business mistakes and claims of negligence
Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of installing the wrong furnace filter or incorrectly calibrating a thermostat, it could help cover related expenses to defend yourself or redo the job.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto
For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you rear-end another vehicle with your work van.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
Coverage for workplace injuries
Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your HVAC license. It can help pay for medical bills and lost wages after an accident.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Tools & Equipment
Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.
inland marine can help you pay for:
Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your HVAC business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
What customers say about us
NEXT is the BEST
In need to commercial insurance, NEXT is your one stop shop!
gilbert f.
Chris Reinitz Construction
Best insurance should be your next insurance for your small business
Chris R.
Awesome
The best insurance company I've delt with by far.
Jared B.
Great service
Very easy to use site
Theodore S.
Quick service.
They were just there for me instantaneously.
MattHew H.
New to NEXT Insurance
I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.
Ofelia U.
Pleased
I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend
Jesus C.
Next is the BEST
Best customer service ever! Everyone was quick to respond with everything I needed
christopher h.
consolidating insurance
My sales provider help me thru the process. It was so easy.
kelly J.
General Liability
Super simple process
Jordan S.
You can save up to 25% in discounts on HVAC insurance
You can pay for your HVAC insurance coverage monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does HVAC insurance cost?
Commercial HVAC insurance costs vary based on the risks that your business faces, such as:
- The types of projects you work on
- Where your projects are located
- Your payroll and the kinds of jobs our employees do
- The number and types of vehicles you use at work
HVAC contractors and business owners can save up to 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.
Learn more about HVAC insurance costs and coverage.
HVAC insurance requirements
HVAC contractors are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Get a HVAC license in your state.
- Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
- Hire employees. Most states require workers’ compensation.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about business insurance
Here are some of the most common questions we get about HVAC insurance policies. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect HVAC contractors?
Our HVAC technician insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
You accidentally damage siding on your client’s house while installing a new air conditioning unit. The general liability insurance for HVAC contractors could help pay for a repair or replacement.**Accidents that hurt someone
You set your tools down outside your van, and a passerby trips over them. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.Professional mistakes
A client accuses you of installing an air conditioner in the wrong window. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
An employee gets a cut that requires a few stitches while repairing a client’s furnace. Workers’ comp coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.Injuries and damage involving your business vehicles
During a storm, a tree branch falls on your work truck and shatters the windshield. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Theft or damage to your tools
Important tools are stolen from one of your work sites. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.Damage to your own property
A frozen pipe bursts and your office sustains significant water damage. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.
You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Appliance Technician, Building Sign Installation, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Glazier, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plastering and Stucco Work, Plumber, Roofing, Siding Installation Contractor, Welding, Tile, Stone and Flooring Installer, Waterproofing
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.