Do you need insurance coverage as a HVAC contractor, technician or business owner? If YES, here are the top 11 HVAC insurance providers & companies in USA.

Top 11 Insurance Providers for HVAC Contractors in USA

  1. AP Intego

AP Intego is one of the leading insurance companies in the United States where you can get your HVAC insurance. This insurance company offers you the ability to work with licensed agents, and to shop and compare multiple HVAC insurance quotes from industry leading companies, such as Travelers.

AP Intego helps small businesses get matched with the right insurance policy for an affordable price. The pay-as-you-go option and workers’ compensation payroll integration keep costs accurate and timely.

  1. Insureon

Another popular name in the HVAC insurance industry is Insureon. The company gives insurance to businesses specializing in heating and cooling or refrigeration repair. The company prides itself on having specialist HVAC business insurance specialist agents that understand the unique risks of the industry.

On their website, they wrote that they have helped hundreds of other heating and cooling businesses weather unexpected accidents, events, and natural disasters. “Our longstanding relationships with top-tier insurance providers allow us to offer policies designed to protect heating, ventilation, and cooling technicians at an affordable rate.”

  1. CoverWallet

CoverWallet is an established insurance provider that offers policies that are specific to certain types of industries, including HVAC businesses. No matter the size of the business — from a solopreneur running the show by themselves to a growing company with several HVAC technicians and a fleet — CoverWallet takes their risks into consideration when providing personalized coverage.

CoverWallet’s specialty is getting affordable insurance to small businesses fast. You can visit its easy-to-navigate website and submit a simple online application to get instant approval. An insurance certificate is accessible as soon as you purchase coverage. They also offer competitive rates, allowing you to get HVAC business insurance for as little as $39/month.

  1. Contractors Liability

Contractors liability is another insurance company where you can purchase reliable HVAC insurance. They offer products from insurance including, workers compensation, commercial vehicle insurance to surety bonds and more. This company has the goal of being a trusted insurance advisor, to deliver great customer service and provide excellent value.

  1. Hiscox

If you’re working with heating, air conditioning, and refrigeration, you may need insurance to stay legally licensed and meet the requirements of your clients, and one of the companies you can look out for insurance is Hiscox.

The company boasts of offering businesses the opportunity to take advantage of lower premiums and risk management rewards for following good business practices. The cost they offer vary depending on the size and type of your business and various risk factors.

Hiscox is an insurance carrier not concerned with balancing personal and commercial lines of insurance. This carrier focuses on the needs of small businesses and only small businesses. By tailoring policies to meet the needs of industry and business-size risks, Hiscox is able to keep costs down for business owners.

Hiscox is perfectly suited for the independent contractor or small business with a crew of five or less. Their sweet spot is with home-based businesses, providing equipment protection without the extensive cost requirements of leased buildings.

  1. USA Business insurance

This is another effective provider of HVAC insurance and they are available in most states of the United states, and they are still expanding.

  1. GuideOne

GuideOne is another insurance company you can start looking at their quotes if you need HVAC insurance in the United States. They claim to operate a little differently than most insurers — “we don’t work for customers, we work with them, because the work they do is so vital to the strength of our communities.”

GuideOne operates in all 50 states through a network of thousands of independent agents who serve more than 51,000 commercial policyholders.

  1. Insurance321

Insurance321 is a broker without the high expense of broker fees. Insurance321 searches the market for top-rated partner insurance carriers using one application. Business owners provide information once and the best policy is provided.

Insurance321 is a good choice for a business owner who is unsure if he should have all policies with one carrier. Some companies are much more competitive on commercial auto than others, while some excel in professional liability. Insurance321 claims to help you shift through the noise.

  1. Nationwide

Nationwide is a national insurance carrier offering personal and commercial insurance policies. The company has several options for licensed contractors, making sure risk categories meet the right cost factors. Nationwide offers liability, business auto, workers’ compensation, and professional liability.

Nationwide has the ability to work with HVAC contractors and companies of all levels, but their sweet spot is with small independent contractors working in local residential areas. Being able to choose personal auto for business pursuits helps HVAC business owners reduce costs with proper coverage.

  1. Acuity Insurance

Acuity insurance is another insurance provider that can help you out if you are on the look out for a good HVAC insurance company. The company provides industry-specific training to all their underwriters, loss control representatives, and claims adjusters, so they can give clients the support they need and deserve.

Additionally, the company enables you get get your certificates of insurance online, freeing you from hassle and worry. They have been insuring contractors for over 45 years and employ in-house staff who study issues affecting the construction industry.

  1. Webb Insurance

Webb Insurance is a family-owned, multiple line insurance broker, offering numerous types of insurance for businesses and individuals, including HVAC companies. Located in midtown St. Charles, Webb Insurance has been serving the greater St. Charles and St. Louis areas for more than 35 years. They offer a small-town atmosphere without the “slow” small-town pace.

The company provides a variety of coverage options for your most-valued personal investments, including car, boat and motorcycle insurance, homeowners’ insurance, umbrella liability insurance, and more. They can equally provide coverage in all states in the USA.

Ajaero Tony Martins