HVAC contractors are rated on their mix of service, replacement and new construction, their van fleet, and exposures such as refrigerant, mold and ductwork. Hot summers add their own pressures: heat injuries in attics and trucks added mid-season that never make it onto the policy. This guide explains the coverage HVAC contractors typically carry and what to have ready before a call with a licensed DANESURE advisor.
Grouped by when most contractors need it. Your own list depends on your operations and each carrier’s underwriting.
Pays if your work damages someone's property or injures someone. Completed operations covers claims that show up after the job is finished, which is when many defect claims arrive. Most contracts ask for proof of it.
Pays medical bills and lost wages if an employee is hurt on the job. Most states require it once you have employees, full-time or part-time. Helpers paid as 1099s who can't show their own coverage can be counted as your employees at audit.
Covers trucks, vans and trailers used for the business. A personal auto policy often won't pay a claim that happens while the vehicle is being used for work. Tell your advisor every time a van is added.
Covers your tools, gauges and units before they are installed. General liability and auto don't cover your own tools and equipment.
Covers refrigerant, mold and similar claims that general liability usually excludes.
Covers the business when employees drive their own or rented vehicles for work.
Extra limits on top of general liability and auto, often required once you take larger commercial jobs.
Many general contractors, owners and property managers require additional insured status, primary & non-contributory wording and a waiver of subrogation. A certificate only shows coverage; those protections exist only if the policy is endorsed for them.
Tell us about your business and a licensed DANESURE advisor will call you at the time you choose.
This guide is general information to help you prepare. It isn't a coverage recommendation, a quote, or a promise of coverage — what you need depends on your operations and each carrier's underwriting. A licensed DANESURE advisor will review your situation with you.
DANESURE, Inc. · Arizona agency license #3004238332