Whether you install, repair, or maintain heating, air-conditioning, refrigeration, or ventilation systems, your work carries real risk. Golden Leaf Agency can help you explore insurance options built around how HVAC contractors actually work.
What applies to your business depends on the policy and state. A licensed agent can help you compare options.
May help with third-party injury or property-damage claims tied to installation, repair, or service work.
Often required once you have employees; may help with medical costs if a worker is hurt on the job.
May help cover work vehicles used to haul equipment, tools, and refrigerants between job sites.
May help replace tools or equipment that are damaged, lost, or stolen, depending on the policy.
May help protect a shop, warehouse, or office, and can often bundle with liability coverage where applicable.
May add extra liability limits above your other policies for larger or higher-risk projects.
A starting point to explore coverage—not a guarantee that every risk is automatically covered.
General examples of risks HVAC contractors may want to plan for.
Damage to a customer's home or building while installing or servicing equipment.
A customer or visitor injured at a job site during a service call.
A technician hurt on the job, such as during lifting or equipment handling.
Incidents involving work vehicles used to travel between job sites.
Tools or equipment lost, damaged, or stolen from a vehicle or job site.
Issues that surface after a job is finished, tied to prior installation or repair work.
Share the type of HVAC work you do and how your business operates.
See the types of coverage HVAC contractors in your situation often consider.
Compare options and make your choice alongside a licensed Golden Leaf agent.
Talk with a licensed Golden Leaf agent about the options available for your HVAC business.
This page is general information only. Coverage, exclusions, limits, availability, and requirements vary by policy, carrier, state, and circumstances.
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Golden Leaf Agency | FL #G003630 | MD #3002468731 | TX #2821699
Golden Leaf Agency is an independent insurance agency, not an insurance carrier. Coverage is offered through authorized insurance carriers and is subject to carrier availability, eligibility, underwriting, policy terms, conditions, exclusions, and approval.