The Hartford is one of America's oldest and largest small-business insurers, founded in 1810 and insuring more than one million small businesses nationwide. Its HVAC program is built around the Business Owner's Policy (BOP), which combines general liability with commercial property in a single policy, plus add-ons for contractors' tools and equipment, commercial auto, workers' compensation, and installation floater coverage.
For HVAC contractors, The Hartford emphasizes trade-specific exposures: on-site property damage during installs, refrigerant handling risks, equipment breakdown, and tool theft from vehicles or job boxes. Installation coverage protects profits if a covered loss halts work mid-project, and tools coverage reaches up to $500 per item for diagnostic equipment and refrigerant recovery machines. Off-premise utility services coverage can replace lost income during power outages, which is valuable for HVAC shops that rely on shop power for fabrication and testing.
Pricing is quote-based rather than instant, with BOP customers averaging around $1,687 per year ($141/month). The insurer consistently ranks at the top of small-business insurance reviews, including MoneyGeek's highest-scoring carrier for HVAC companies, thanks to strong customer service, broad coverage options, and A+ financial stability ratings.