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Keep your HVAC business running cool with the right coverage!

Keep your HVAC business in good standing with Coverage Cowboy’s HVAC contractor insurance.

We’ll make sure you’re protected from liability for any accidents, injuries, or damaged equipment that might occur while on the job. With coverage from us, you can rest easy knowing your business is in safe hands.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property
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Check out more professions covered by Coverage Cowboy

We’ll help you get the insurance coverage you need for your business.

See the different policies available for HVAC Contractor businesses and save up to 10% when you bundle!

general-liability

General Liability

Bought by 95% of business owners like you

General liability insurance is critical for HVAC contractors to protect their business from potential accidents or negligence. It provides financial protection if someone is injured on the job or if the contractor is found responsible for damaging property that doesn’t belong to them. It can also cover any legal fees if the contractor is sued for a covered event.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Commercial Auto

Commercial auto insurance is necessary for HVAC contractors who use a vehicle for business-related tasks. It offers protection against physical damage to the vehicle, bodily injury, and property damage caused by a covered accident. It also covers the costs associated with the repair or replacement of the vehicle, as well as any legal costs.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers' Compensation

Workers’ compensation insurance is essential for HVAC contractors to protect their employees in the event of an on-the-job injury or illness. It covers medical expenses, lost wages, and other costs associated with a workplace accident. It also protects the HVAC contractor from being held liable for the employee’s medical bills or other costs related to the injury.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is critical for HVAC contractors to protect their physical assets. It covers damage to tools, equipment, and vehicles due to fire, theft, vandalism, and other disasters. It also covers lost income if the business has to close due to a covered event. This type of insurance is especially important for contractors who own their equipment, as it can help cover the cost of repairs or replacements.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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Frequently Asked Questions about HVAC Contractor business insurance

How does business insurance protect me?
Business insurance can protect HVAC contractors from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for an HVAC contractor:
Liability insurance: This type of insurance can protect an HVAC contractor from lawsuits stemming from injuries or accidents that occur on the job. For example, if an employee of the contractor is injured while installing an HVAC system, the contractor could be held liable for the damages. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect an HVAC contractor from damage to its tools and equipment. For example, if a contractor’s tools are stolen or damaged while on a job site, property insurance can help cover the cost of repairs or replacement.
Business interruption insurance: This type of insurance can provide coverage if the contractor is forced to close temporarily due to a covered loss. For example, if a contractor’s tools are stolen and the contractor is unable to work, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Workers Compensation: This type of insurance provides protection and medical coverage for employees that get injured or falls ill in connection to the work they are performing.
What do I need to get an insurance quote?
Getting a quote from Coverage Cowboy is a breeze! All you need to do is gather a bit of information about yourself and your insurance needs, and we’ll take care of the rest.

Here’s what you’ll need to provide to get a quote:
  • The type of services or products you offer
  • The location of your office or place of operations
  • The size of your workforce and their pay
  • The number and types of vehicles used for business purposes

These questions will help us tailor a quote that fits your specific business needs and ensure that you have the appropriate coverage in place to protect your company. With this information, our experts will be able to provide you with a quote that fits your business perfectly, providing you with the peace of mind you need to focus on what’s important – your business.
Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.

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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Call Us at 551-455-0769

Need help? Call our award-winning support team at (551) 455-0769
or email us at hello@coveragecowboy.com

What We Cover

Business Insurance

General Liability

Workers' Compensation

Commercial Property

Professional Liability

Business Owner's Policy

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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage is dependent on actual facts and circumstances giving rise to a claim. Coverage Cowboy, LLC and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. 

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