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HVAC Insurance: Heating and Air Conditioning Insurance

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As an HVAC contractor, you provide specialized services to your customers, so you face unique risks. At Hiscox, we understand these risks and offer customized HVAC insurance for your small business to fit your specific needs.


General liability insurance for HVAC Contractors


General liability insurance also known as Commercial General Liability (CGL) protects your heating and/or air conditioning (HVAC)  business from another person or business's claims of bodily injury, associated medical costs and damage to property.


Bodily injury: While you are installing a central air conditioning system, one of the clients trips and falls over a piece of your equipment, breaking their arm. You could be liable for medical costs, but your HVAC insurance policy could cover those costs, protecting your business.


Property damage: As you are working in a client’s attic to install a new air conditioner, you accidentally damage an antique table. A HVAC insurance policy  could cover the cost to repair or replace the table, protecting your business.

Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy's limits of liability, and pay for an attorney to defend you if necessary.


Learn more about general liability insurance.


How Hiscox can help you: 

  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Tailored Insurance: Insurance custom tailored to meet your needs and save you money.
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a US territory or Canada.


Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.



This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Specific coverage terms can vary by class of business.  Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm EST