COMMON QUESTIONS
Frequently Asked Questions about HVAC Insurance
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What’s covered
Built for HVAC Businesses
General Liability
HVAC liability doesn't end when you pull out of the driveway. If a system you installed floods a building weeks later, you're still on the hook. GL covers third-party injury and property damage during and after the job. Required by most GCs, property managers, and building departments before you step on site.
Commercial Auto
Your trucks and trailers are your business. If a vehicle is damaged, causes an accident, or is stolen, personal auto insurance won't cover it. Commercial auto protects your fleet and the equipment loaded in it.
Workers' Compensation
Required in most states the moment you have an employee. Covers medical bills and lost wages when a crew member is injured on the job which in HVAC work happens more often than most owners expect.
Business Owners Policy (BOP)
A BOP bundles General Liability and Commercial Property into one policy at a lower combined rate than buying them separately.
Tools & Equipment (Inland Marine)
Tools & Equipment coverage protects your gear on the job site, in the truck, or in storage. Stolen gauges, damaged equipment, covered. It's the policy most HVAC contractors wish they had the first time something walked off a job site.
Additional Coverages
Commercial Property (your shop if not covered under a BOP), Umbrella / Excess Liability (high-value commercial contracts), Professional Liability / E&O (design, consulting, or irrigation services), or Surety Bonds (required by some municipalities for licensing). We'll tell you exactly what you need and what you don't.
The Smarter Way to Get HVAC Liability Insurance
why WE'RE THE #1 CHOICE
We shop 100+ carriers, you get the lowest rate. Going direct to one insurer means one price. We run your quote across 100+ A-rated carriers simultaneously, so you always get the most competitive option without spending hours on hold.
Same-day certificates of insurance: Commercial clients, HOAs, and municipalities won't let you on-site without a COI. We issue them the same day you bind so you never lose a job waiting for paperwork.
Agents who understand HVAC installer risk: Not a call center. Licensed specialists who understand licensing bond requirements, crew liability, equipment exposure, and subcontractor risk. We build your policy around how you actually operate.
Residential jobs to commercial projects, solo to full crew:
One-person operation? 500+ employees? We write policies for both and everything in between.
what our clients say
Be Confident in Your Choice
What Sets Us Apart
Why Prime & Sub Insurance
Licensed HVAC insurance specialists in all 50 states
Best rates guaranteed
"A" Rated Coverage: Backed by top-rated carriers for maximum reliability and claims support.
Excellent service with 100+ 5-star reviews
Dedicated claims support team
Flexible payment options
We work with over 100 carriers so we always get you the best coverage at the lowest price
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