HVAC Contractor Insurance

HVAC contractors juggle electrical work, refrigerant handling, gas lines, and rooftop installs — every one of those is a separate insurance exposure. ProRisk packages GL, workers comp, refrigerant pollution coverage, and commercial auto into a single HVAC policy.

Get Your Quote Call (888) 493-8055

Coverage for HVAC

✓ General Liability with completed operations

✓ Workers’ Compensation

✓ Pollution liability (refrigerant releases)

✓ Commercial Auto

✓ Equipment Breakdown

Top Risks We Cover

Refrigerant leaksGas leaksElectrical hazardsFalls from rooftops

Get Covered in 3 Simple Steps

Our streamlined process makes getting business insurance fast, easy, and affordable

01Step 01

Tell Us About Your Business

Share some basic information about your business, industry, and coverage needs. Our smart form makes it quick and easy.

Quick 5-minute form

Industry-specific questions

No hidden requirements

02Step 02

Get Instant Quotes

Our system instantly compares rates from top insurers to find you the best coverage at competitive prices.

Multiple carrier quotes

Instant price comparison

Transparent pricing

03Step 03

Get Covered Today

Choose your preferred coverage, complete the application, and get your policy documents instantly. It’s that simple.

Instant policy documents

Digital certificates

24/7 support

Fast & Easy

Get covered in minutes, not weeks

Best Rates

Compare multiple carriers instantly

Expert Support

24/7 customer service team

Start Your Quote Now

FAQs

Does HVAC insurance cover refrigerant pollution?

Only if the policy includes a pollution endorsement. Standard GL excludes refrigerant releases — we always add the endorsement for HVAC accounts.

Get HVAC Insurance by State

California Contractors Arizona Contractors Nevada Contractors Texas Contractors

Get Your Free Quote

Get your personalized quote in under 24 hours. Our licensed insurance specialists will review your needs and connect you with top-rated carriers offering competitive rates.