Comprehensive Coverage for Your Trade
Comprehensive insurance for heating, ventilation, and air conditioning contractors in Bergen County. From residential service to commercial installations, we protect HVAC professionals.
General Liability with HVAC classification
Workers Compensation for technicians
Commercial Auto for service vehicles
Tools & Equipment coverage
Pollution liability for refrigerants
Professional liability for system design
Faulty installation causing CO poisoning
Environmental damage from refrigerant release
Furnace or electrical fires from HVAC work
Condensation leaks or frozen coils
System failures after installation/repair
Mold or contamination from poor ventilation
Coverage for property damage and injuries
Refrigerant leak and environmental coverage
System design and efficiency guarantees
Service trucks with equipment coverage
Equipment coverage before installation
Smart HVAC system hacking protection
Yes, especially if you work with refrigerants. EPA regulations make you liable for environmental damage from refrigerant releases. Standard GL policies exclude pollution, so this separate coverage is essential for HVAC contractors.
If you guarantee energy savings or system performance, you need professional liability. General liability won't cover claims that your system didn't deliver promised efficiency. This is increasingly important with green building requirements.
Insurance premiums are typically based on annual revenue, so seasonal fluctuations are already factored in. However, you may be able to adjust coverage during slow seasons. We can structure policies to match your business cycle.
EPA certification, NATE certification, carbon monoxide detectors during furnace work, refrigerant recovery procedures, and documented maintenance programs all help reduce premiums. Safety training specific to HVAC risks is particularly valuable.
Protect your business with comprehensive insurance coverage