Insurance for Arizona HVAC and mechanical contractors — for the busiest trade in the Valley.

What GCs and property managers ask mechanical contractors for.

Mechanical sub agreements and service contracts typically require:

• Additional insured status for the GC and owner, including completed operations (often on CG 20 10 / CG 20 37 forms or their equivalents)
• Primary & non-contributory wording, so your policy pays before theirs
• Waiver of subrogation on GL, workers’ comp, auto and umbrella
• Per-project aggregate so one job can’t use up the limit for every other job
• Minimum limits — commonly $1M per occurrence / $2M aggregate, plus an umbrella
• Notice of cancellation to the certificate holder

Where HVAC contractors get hurt.

• A mold or indoor air quality claim excluded under the GL pollution exclusion
• Heat-related worker injuries in attics and on roofs during peak season
• Van accidents with a growing summer fleet
• Payroll spread across the wrong classes and corrected at audit
• A rooftop unit dropped during a crane lift

Honest timing, start to finish.

1. Send us what you haveUpload your dec pages or policies (GL, workers’ comp, auto, equipment, umbrella) or email them to [email protected]. Add your EMR worksheet and a sample contract’s insurance section if you have them.
2. Written Cost & Risk report within 24 hours of receiving your documentsWe read every line: class codes, experience mod, limits against your contract requirements, endorsements, exclusions and gaps. This is the review — not carrier quotes.
3. A 15-minute callWe walk you through what we found, in plain English. If nothing needs fixing, we tell you that — you keep the report either way.
4. If you want options, we shop itWe market your account to multiple carriers in our network. Carrier quotes typically take 1–2 business days once underwriters have what they need (payroll by class, loss runs, vehicle and equipment lists).