Business Insurance for HVAC & Plumbing

HVAC small-business insurance from America's oldest carrier

Over 200-year-old commercial insurer with a dedicated HVAC small-business program, offering BOPs, workers' comp, commercial auto, and tools coverage.

HVAC contractor insurance from a top-tier U.S. carrier

Major U.S. property and casualty carrier with dedicated mechanical and HVAC contractor programs including risk control, claims, and specialty installation coverage.

Insurance agency built only for HVAC, plumbing, and electrical contractors

HVACInsure is a specialty independent insurance agency focused exclusively on HVAC, plumbing, and electrical contractors. Their licensed agents shop general liability, workers' comp, commercial auto, and tools coverage across multiple carriers so HVAC shops get trade-specific policy forms at competitive rates.

Instant online HVAC insurance from $19/month

Digital-first small business insurer offering instant online HVAC coverage, certificates of insurance, and bundled policies designed for contractors and tradespeople.

Tailored HVAC liability insurance from $22.50/month

Specialist small-business insurer offering tailored HVAC general liability and BOP coverage with flexible monthly payments and limits up to $5M aggregate.

Modern workers' comp for HVAC small businesses

Pie Insurance is a technology-driven workers' compensation carrier built for small businesses, including HVAC shops. Pie uses data and automation to underwrite and bind workers' comp online in minutes with savings of up to 30% versus traditional carriers.

Online broker with transparent HVAC insurance pricing

Insureon is an online small-business insurance broker that quotes HVAC installation and service contractors against top U.S. carriers. Published data shows HVAC installers pay about $78/month for GL, $124/month for a BOP, and $223/month for workers' comp on average through the platform.

On-demand GL and BOP for HVAC contractors

Thimble is an on-demand business insurance platform that lets HVAC contractors buy general liability and BOP coverage by the hour, day, month, or year. Certificates of Insurance issue instantly so techs can meet homeowner and GC requirements before stepping onto a job site.

Direct Berkshire Hathaway insurance for HVAC small businesses

biBerk is Berkshire Hathaway's direct-to-small-business insurance arm, offering HVAC contractors workers' comp, general liability, commercial auto, BOPs, and umbrella policies with rates up to 20% below broker-sold policies. Quotes bind online in minutes.

Compare HVAC insurance quotes from 15+ top carriers online

Simply Business is a digital insurance broker that compares HVAC contractor insurance quotes from 15+ top-rated carriers including CNA, Travelers, Markel, and Hiscox. HVAC owners answer a short online intake and compare bindable quotes in under 10 minutes.

HVAC technician insurance with commercial auto from Progressive

Well-known commercial insurer offering HVAC technicians a bundled BOP, commercial auto for service vehicles, general liability, and workers' compensation through partner carriers.

HVAC insurance marketplace matching you to 200+ carriers

Tivly (formerly CommercialInsurance.net) is an insurance marketplace that connects HVAC contractors with 200+ carrier and agency partners. An HVAC-specific intake routes business owners to pre-matched quotes for general liability, workers' comp, commercial auto, and BOPs.

Nationwide commercial carrier for HVAC with surety bonds and full P&C

Nationwide is a Fortune 100 mutual insurance carrier that writes HVAC contractor programs including general liability, commercial property, workers' comp, commercial auto, and surety bonding. Nationwide's scale and bond capacity make it a go-to for HVAC shops doing commercial and new-construction work.