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HVAC Contractor Insurance

Contractors Insurance is a trusted and award-winning commercial insurance brokerage based in Ontario. We specialize in providing personalized insurance plans for various contractors, including HVAC contractors.

Whether you’re a big or small company or whatever the scope of HVAC services you offer, we can give you a customized HVAC business insurance that fits your specific needs to protect you from all the risks associated with your industry. 

We’ve served countless clients from various industries through the years. What sets Contractors Insurance apart from others is our dedication to assist you in every step. Whether you’re negotiating premiums or filing claims, we’ll be there. 

What Is HVAC Business Insurance?

HVAC Contractor Insurance is a carefully designed insurance bundle for professional technicians working with the repair, maintenance, or installation of heating, ventilation, and air conditioning (HVAC) hardware. The foundation of this business insurance is in commercial general liability insurance, but it can also be expanded to include additional coverage.  

Here’s what you can bundle in a customized HVAC contractor insurance.

Commercial General Liability Insurance

HVAC contractors should ensure the safety of third-party individuals and prevent third-party property damage while working or after the project. This can be challenging given that HVAC systems are usually embedded into a home or building, meaning projects need to be completed with clients and other third-party individuals present as safety risks. Furthermore, accidents and unit malfunctions can lead to gradual or sudden property damage or pollution.

Incorporating commercial general liability coverage in your personalized HVAC contractor insurance bundle protects you from: 

  • Third-party injuries and property damage caused during the HVAC  repair, maintenance, or installation or due to issues in the unit itself
  • Third-party injuries that occur within your business premises(i.e. accidents that can happen to clients when they come to your office)
  • Advertising or reputational injuries (libel, slander, or copyright infringement).

Pollution Liability Insurance

Services involving HVAC systems are open to pollution liability risks. For example, contamination in the unit can result in respiratory complaints, including mould growth or the spread of legionella bacteria. These things are covered in your pollution liability insurance.

Commercial Auto Insurance

HVAC contractors with a fleet of service vehicles should have commercial auto insurance. This coverage protects your business from medical, repair, replacement, and legal costs in the following scenarios: 

  • Bodily injuries caused by your commercial vehicles
  • Property damage caused by your commercial vehicles
  • Theft or vandalism inflicted on your commercial vehicles

Workers’ Compensation/Personal Coverage

It’s no surprise that HVAC specialists are faced with numerous risks in their daily operations. Injuries and health problems can occur from lifting heavy items, working inside a property’s ductwork, electrocution from wirings, and working in fall hazard areas. 

Worker’s compensation offers the following benefits:

  • The ongoing treatment costs due to a work-related injury
  • Lost wages during recovery, if injured or became ill while on duty
  • Disability and death benefits
  • Funeral expenses

Who Can Benefit From HVAC Contractor Insurance?

HVAC contractors, both big and small, can greatly benefit from having HVAC contractor insurance. Whether you specialize in residential or commercial heating and cooling systems, you and your highly trained technicians can be protected from any safety risks your industry comes with. It’s also part of an excellent risk management strategy to insure physical assets to shield your business from financial losses in case of natural disasters and accidents.

Why Is It Important for Ontario HVAC Contractors to Have Insurance?

There are around 10,580 HVAC contractors in Ontario. In such a competitive industry, insured and qualified HVAC contractors will definitely stand out when clients look for reliable and reputable service providers. In addition, having HVAC contractor insurance will help you maintain focus on growing your business without worrying about the potential financial setbacks from unforeseen events. 

HVAC Contractor Insurance Claims Examples

Here are examples of how snow removal insurance bundles can help you in different scenarios.

Claims Example #1

  • Problem Icon

    The client’s family contract Legionnaires disease and blames it on your recent HVAC installation

  • Outcome Icon

    The client takes you to court and wins the case demanding you pay a settlement of approximately $200,000. Your pollution liability coverage payout will cover the full amount.

Claims Example #2

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    One of your HVAC service trucks gets into an accident, injuring a third-party driver.

  • Outcome Icon

    Your commercial auto insurance will take care of all the expenses, including legal, settlement, medical, and repair or replacement of your service vehicle, which is estimated to cost  $21,500. 

Claims Example #3

  • Problem Icon

    One of your HVAC installation technicians suffers from a fall while working, gets injured, and needs four weeks to recover.


  • Outcome Icon

    Workers’ compensation will handle the medical expenses and income loss during recovery of up to $5300. 

Leading Provider of Commercial Liability Insurance in Ontario 

We put our customers at the center of everything we do. Here’s why you should choose Contractors Insurance.

Personalized Insurance Plans 

HVAC contractors face unique risks in their industry. This is why personalized HVAC contractor insurance makes a lot of sense.  With us, you pay only for what you need. No unnecessary and costly riders.

Utmost Transparency on Coverage and Limitations 

One of the biggest peeves clients have about most insurance providers is the lack of transparency. This is where we are a cut above the rest. At Contractors Insurance, we offer 100% transparency and a proactive approach to keeping our clients updated. We’ll take you through everything you need to know about your personalized insurance plan, like coverage limits, exclusions, and what triggers claims. 

Thorough and Straightforward Insurance Education 

We are your partners in everything insurance-related. Therefore, you can count on us as a trustworthy source of unbiased information and expert recommendations. We’ll make sure you have everything you need to make empowered decisions for your company’s future.

Frequently Asked Questions About HVAC Contractor Insurance

Typically, HVAC contractor commercial general liability insurance costs around $45 per month for a coverage limit of up to 2 million dollars. However, fees can increase if you add more policies. In such cases, bundling insurance plans is generally the most cost-effective option.  


No. However, HVAC contractor insurance is a must-have not only because of its tremendous benefits, but because most clients won’t hire HVAC contractors without it.


Ready to Get the Coverage You Need?

Face the future confidently with an HVAC contractor insurance plan that has you fully covered. We can help. Contact us today or get started with a quick quote!


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