HVAC Contractor Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

General Liability

Get a Quote

Workers' Compensation

Contractors' E&O

Tools & Equipment

Other Coverages

Featured On

Rated 4.7/5

(5056 reviews)

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

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.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

* 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.

HVAC Contractor Insurance

You can save up to 25% in discounts on business insurance.*

Heating and cooling insurance designed to protect your business

General Liability

Contractors’ E&O

Commercial Auto

Workers' Compensation

Tools & Equipment

Commercial Property

What customers say about us

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.

How much does HVAC insurance cost?

HVAC insurance requirements

Frequently asked questions about business insurance

How does business insurance protect HVAC contractors?

Damage to someone’s property

Accidents that hurt someone

Professional mistakes

Workplace injuries

Injuries and damage involving your business vehicles

Theft or damage to your tools

Damage to your own property

What do I need to get an insurance quote online?

How can I get a certificate of insurance (COI)?

How do you file an insurance claim with NEXT?

More professions that are covered by NEXT