Insureon is a leading digital insurance brokerage headquartered in Chicago, IL, serving small businesses since the early 2010s (with lineage back to TechInsurance Group founded in 1997). In March 2022, Insureon's digital agency was acquired by Hub International, pairing Insureon's online quoting engine with Hub's national brokerage footprint. For HVAC contractors, Insureon provides a dedicated installation-business-insurance product line that quotes general liability, business owner's policies, workers' compensation, commercial auto, tools and equipment, and professional liability from top-rated carriers in one online session.
Insureon is unusual in publishing real benchmark pricing for HVAC work. According to the platform's published data, HVAC installation contractors pay an average of $78 per month ($941/year) for general liability, $124 per month ($1,493/year) for a business owner's policy, and $223 per month ($2,672/year) for workers' compensation. That transparency is useful for HVAC shops budgeting insurance without calling multiple agents. Insureon uses state-specific pages (Georgia, New Jersey, Washington, etc.) to surface local carriers and licensing requirements.
Because Insureon is a broker, the policies are written by carrier partners, and servicing post-bind is handled through Insureon's agent team or, increasingly, through Hub International's broader network. That gives HVAC owners access to commercial-grade carriers (Chubb, CNA, Hiscox, Liberty Mutual, Travelers) typically only available through traditional agents — but via an online flow. Best fit is small-to-mid HVAC contractors (1 to 50 employees) who want transparent benchmark pricing and carrier choice without committing to a local broker.