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HVAC Contractor Insurance

At PBIB, we understand the importance of getting the best value for your HVAC contractor insurance. That’s why we go the extra mile to ensure you get the coverage you need at a price that suits your budget. We work with multiple insurance carriers to offer you a range of options and can help you save up to 40% on your insurance costs.

Our policies are tailored to meet your specific needs, and we offer flexible payment terms to make it easy for you to manage your budget. Whether you prefer annual or monthly payments, we have options that work for you. Trust PBIB to provide you with the best HVAC contractor insurance coverage at the most competitive rates.

We typically recommend the following coverage for HVAC Contractor
At PBIB, we are dedicated to helping you safeguard your HVAC contractor business from potential losses. As independent insurance brokers, we have access to a wide range of insurance programs and can customize coverage options to best suit your individual needs.

To ensure comprehensive protection for your HVAC contractor business, we recommend a variety of coverages. These include coverage for property damage, personal injury, employee injuries, damage or loss to vehicles or tools & equipment, and legal fees and indemnity.

Our team of experienced brokers can guide you through the insurance process and help you select the right coverage options to meet your specific business requirements. Trust PBIB to provide you with the insurance protection you need to safeguard your HVAC contractor business.

  • General Liability
  • Workers Compensation
  • Commercial Auto
  • Professional Liability
  • Tools and Equipment
  • Property
  • Bonding


Save up to 40% on HVAC Contractor Insurance

PBIB will typically use numerous insurance companies to quote your insurance to give you the greatest deal and coverage for your needs. Every policy has adjustable payment options, such as yearly or monthly installments.


General Liability

Occurence Limit $1,000,000
Product Completed Ops $2,000,000
Each Occurence Limit $1,000,000

Worker’s Compensation

Limit $1,000,000

Commercial Auto

Limit $1,000,000

Tools & Equipment

Limit $10,000

Excess Liability

Limit $1,000,000


  1. The restrictions for tools and equipment should be changed to reflect the true cost of the tools and equipment that the contractor owns, rents, or leases.
  2. For loss exposures beyond $1,000,000, excess liability should be considered, unless contractual obligations require a different amount to be carried.
  3. Unless the GC provides Design-Build, Construction Management, or other consulting services, professional liability is typically not required.


We offer services to help you get the business insurance coverage you need.

General Liability for HVAC Contractors

As an HVAC contractor, securing adequate insurance coverage is crucial to safeguard your business from third-party claims. General Liability insurance is the most critical coverage that can protect your business against claims of property damage or injury resulting from your work product. Even a minor accident can have a significant impact on your company’s future. If your business is at fault for property damage or bodily injury to a third party, a resulting lawsuit can potentially devastate your company. At PBIB, we understand that safeguarding your business assets is of the utmost importance. Our general liability insurance will protect your employees and your entire company from the risks of vulnerable situations and expensive lawsuits.

In some states or counties where you operate as an HVAC contractor, general liability insurance may be mandatory to maintain your license. We offer full-service certificates during weekdays and 24/7 self-service certificates so that you can get insurance coverage on your own time.

General Liability for HVAC Contractors can help you pay for:

  • Medical payments for 3rd party injuries
  • Property damage to 3rd party property
  • Legal fees and defense





Worker’s Compensation for HVAC Contractors

Our policies are the best in the industry and ensure the safety and protection of both you and your employees in case of injury or illness. With workers’ compensation, you can rest assured that medical expenses and lost income for your employees will be covered, helping them to recover and get back on their feet. Additionally, in the event of a lawsuit, our policies will provide you with the necessary protection. So, choose our policy for comprehensive coverage that safeguards both you and your employees.

No employees? No worries! We have policies that provide the coverage your customers require while also protecting you.

Your state or the county where you work may need workers compensation to get you a license as an HVAC contractor. We refer to this as “Insurance on your time” at PBIB. We offer full-service certificates Monday through Friday and 24/7 self-service certificates.

Workers’ Compensation for HVAC Contractors can help you pay for:

  • Medical expenses of your injured employees
  • Disability & Retraining of your employee.
  • Lost wages
  • Survivor benefit
  • Employer liability



Commercial Auto for HVAC Contractors

Running an HVAC contracting business without company vehicles is nearly impossible since they transport you, materials, and tools to job sites. At PBIB, we understand the worth of your mobile workforce and offer insurance coverage that protects against damage or theft, ensuring that you can resume work swiftly.

For HVAC contractors, Commercial Auto insurance is crucial, and in some cases, a project requirement. We offer comprehensive insurance certificates on weekdays to assist you in getting on the job and provide 24/7 self-service certificates, giving you the flexibility to obtain “Insurance on your time.”

Commercial Auto for HVAC Contractors can help you pay for:

  • Hired & Non-Owned Auto, Legal defense from employees driving their own vehicles.
  • Medical expenses from injuries
  • Collision repairs to your and 3rd party vehicles
  • Legal fees & Defense
  • Rental vehicle reimbursement


Tools & Equipment for HVAC Contractors

The purpose of tools and equipment insurance for HVAC Contractors is to safeguard your valuable moving assets. Inland marine insurance, commonly referred to as tools and equipment coverage, guards your valuable assets against dangers like theft and damage while they are being used, stored, or transported to and from your jobsite.

Tools & Equipment for HVAC Contractors can help you pay for damaged or stolen:

  • Tools & Equipment owned or rented by you.
  • Employee tools and equipment (Optional)
  • Borrowed equipment (Optional)
  • Cost of renting interim equipment (Optional)


Professional Liability for HVAC Contractors

As an HVAC contractor, it’s important to understand the concept of professional liability and how it applies to your business. Professional liability, also known as errors and omissions (E&O) insurance, is designed to protect you and your business against claims of negligence or inadequate work.

As an HVAC contractor, you work on heating, ventilation, and air conditioning systems for commercial and residential clients. This work can involve complex systems that require specialized knowledge and expertise. If you make a mistake or fail to complete the job to the client’s satisfaction, they may sue you for damages.

Professional liability insurance can help cover the costs associated with defending yourself against such claims. This type of insurance can help pay for legal fees, settlements, and judgments if you are found liable for damages.

Professional Liability Insurance can help your business with:

  • Protection against Legal risk
  • Coverage for claims and financial risk related to errors and omissions in their work.


License Bonds for HVAC Contractors

Most states demand a licensing bond to grant or renew a contractor license. The licensing bond provides assurance that you won’t transgress any state laws or run away with a client’s deposit.

A license bond can be purchased for as little as $70, but the cost increases based on the applicant’s personal credit, license history, and contractor classification.

Simply input your state and the sort of bond you need, or choose from a list, to get an immediate estimate and bind online in just a few minutes. We write all forms of bonds, including performance and payment bonds in addition to a long list of others.