- 7761 Ballantyne Commons Pkwy, Charlotte, NC 28277
- info@blubearonline.com
- About Us
- FAQ
- Contact
Protect your business from refrigerant leaks, property damage, and equipment theft. HVAC insurance covers the unique risks of working with furnaces, AC units, and expensive diagnostic tools in attics, crawlspaces, and client homes.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
HVAC work comes with serious liability exposure. One refrigerant leak can damage a client’s entire HVAC system. One faulty furnace repair can lead to a house fire. One dropped condenser unit can destroy a driveway. Without proper coverage, a single call-back can blow your business finances.
A line set you brazed leaks Freon into a client's attic insulation. Your HVAC general liability insurance covers the environmental cleanup and system recharge costs.
A heat exchanger you installed cracks, causing a fire that damages the client's home. HVAC contractor insurance covers the property damage and your legal defense.
Your crew drops a 200-pound AC unit off a truck ramp, crushing a client's driveway. HVAC business insurance covers the concrete repair and unit replacement.
Thieves break into your work van and steal $7,000 worth of gauges, recovery machines, and leak detectors. Your HVAC insurance policy covers the full replacement cost.
A complete HVAC technician insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed in a crawlspace or on a roof.
Whether you’re doing residential service calls, commercial rooftop units, or new construction rough-ins, we have an HVAC insurance coverage program designed for your specific scope of work and risk profile, because a residential service tech and a commercial refrigeration installer need completely different coverage.
Furnace and AC installation, duct cleaning, thermostat replacement, heat pump repair, indoor air quality
Rooftop unit maintenance, restaurant refrigeration, office building climate control, retail store systems
Walk-in coolers and freezers, ice machines, grocery store refrigeration, restaurant kitchen equipment
Ductwork installation, system rough-ins, venting, fresh air intake, whole-home system design
Steam boiler repair, hot water heating systems, radiant floor heat, commercial boiler maintenance
Ductless AC installation, multi-zone systems, wall-mounted units, cassette and ceiling concealed
Every state has different requirements for HVAC licensing and insurance minimums. We help you stay compliant with state laws and help you win contracts that require HVAC insurance company proof like additional insured endorsements and certificates of insurance.
HVAC insurance cost depends on your annual revenue, number of employees, type of HVAC work, and claims history. Residential service techs pay less than commercial refrigeration or new construction installers.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most HVAC contracts
COI issuance, Certificate of Insurance when you need it
Carrier partners, we shop for the best rate for your trade
HVAC contractors insured across the Southeast region
Our streamlined process gets you covered fast, so you never miss a bid deadline or fail a job site insurance inspection.
HVAC license type, annual revenue, payroll, number of employees, and typical project scope, residential, commercial, or refrigeration
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Umbrella based on your specific HVAC operations
Receive clear quotes from multiple A-rated HVAC insurance companies, compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day, ready for permits, bids, and property owner requirements
Yes, most property owners and general contractors will not hire an uninsured HVAC tech. Additionally; your personal health insurance may exclude workplace injuries. HVAC technician insurance is essential even for sole proprietors.
Yes, a refrigerant leak that damages insulation, drywall, or other property is covered under general liability. HVAC general liability insurance also covers environmental cleanup costs and system recharge for the lost refrigerant.
General liability covers damage DURING your work, dropping a condenser on a driveway. Completed operations covers claims AFTER you finish, a furnace you installed causing a fire six months later. HVAC insurance policy should include both.
Yes, we offer HVAC insurance quotes online in under 10 minutes. Just tell us your revenue, payroll, project types, and claims history. Same-day binding and instant COI available. A quick call often saves you money.
We issue same-day Certificates of Insurance, often within an hour of binding your policy. Commercial property managers require COIs before you step on the roof. HVAC business insurance is worthless if you can’t prove it before the job starts.
Complete coverage for GCs who hire HVAC subs, including additional insured requirements and waiver of subrogation
Liability and tools coverage for plumbers, many of whom work alongside HVAC on mechanical systems and boilers
Tools and equipment coverage for electricians, who often partner with HVAC on thermostat wiring and electrical connections
Specialized coverage for walk-in coolers, ice machines, and grocery store refrigeration professionals
Targeted coverage for steam boiler and hydronic heating specialists working on commercial and industrial systems
Flexible coverage for multi-trade professionals who do HVAC repairs alongside plumbing, electrical, and
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
