HVACInsure is a niche independent agency that writes commercial insurance only for HVAC, plumbing, and electrical contractors. Because the producers see nothing but mechanical trade risks all day, they know the correct class codes, the right endorsements for refrigerant handling and brazing, and which carriers are aggressive versus avoiding HVAC in any given state. That depth matters — an HVAC shop misclassified as a plumbing contractor can pay 30%+ more in workers' comp, and sloppy GL forms can exclude high-exposure work like rooftop change-outs or new construction.
The agency builds programs that typically bundle general liability, workers' compensation, commercial auto (fleet or scheduled vehicles), business owner's policies, tools and mobile equipment coverage, installation floater, and umbrella liability. HVACInsure writes both residential and commercial HVAC risks and has dedicated state landing pages (Texas, Florida, Georgia, etc.) because admitted carriers and rates vary heavily by state. For shops that do heavy commercial VRF, chiller, or new-construction work, HVACInsure can place surety bonds and pollution liability alongside the standard package.
Because it's an agency rather than a carrier, HVACInsure survives customer audits, claims, renewals, and rate shocks by re-shopping the book each year rather than forcing customers to change agents. The trade-off vs. a direct carrier like biBerk or NEXT is that quote turnaround takes a day or two instead of minutes — but the payoff is a program tuned for HVAC work rather than an off-the-rack small-business policy.