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Ontario HVAC contractors coverage that fits your business

Whether you’re a residential or commercial HVAC contractor or subcontractor, have a specialty HVAC company, do home maintenance or repair, we understand that installing, repairing and maintaining heating, ventilation, and air conditioning systems is an exact and technical business. We have insurance that’s customized for your unique needs as an HVAC specialist and will protect your tools, shop, vehicles and more.

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Call us for an HVAC contractor’s insurance quote and save

Let our contractor insurance brokers do the comparison shopping for you, and get insurance quotes based on the specific needs of your HVAC business. Being an outlet for over 70 of Canada’s top insurance companies means you never have to shop anywhere else, because we have access to some of the best coverages and prices you’ll find anywhere.

What does HVAC contractor insurance cover?

Insurance packages for residential and commercial HVAC contractors usually includes commercial general liability along with coverage for your tools, vehicle, shop and more.

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Commercial general liability

This essential coverage protects your business if you, your employees or subcontractors cause injury or property damage. It can cover legal bills, court-awarded payments and more.

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Commercial auto

Have company vehicles? You’re covered for accidents, theft, property damage and injuries. If you or your staff use your personal vehicles for business purposes, you’ll need similar coverage.

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Tools and equipment

Covers equipment and tools like sawzalls, gauges, pipe cutters, vacuum pumps, psychrometers and acetylene torches if damaged or stolen, and also pays for short-term rentals after a claim.

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Commercial property

If your HVAC company has an office or warehouse, your building, inventory and equipment are protected against fire, storms, burst pipes, break-ins and more.

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Installation floater

A necessity for HVAC installations, this covers air conditioners, furnaces and other components before they’re installed, no matter if they’re in transit or waiting to be installed at a job.

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Pollution liability

This covers expensive cleanup costs if installations or repairs expose clients to harmful molds or bacteria, or if your work causes environmental issues from oil or chemical leaks.

Frequently asked questions about HVAC contractor insurance

HVAC contractor insurance premiums can start from as low as $650 a year for a small HVAC business with no physical office or company vehicles. The actual cost of your policy will depend on a number of factors, including:

  • Where your business is based
  • The annual revenues of the company
  • How many employees you have
  • How many years of experience you and your employees have
  • Whether you have past claims

Commercial auto insurance covers both business and personal use of a vehicle, but your personal auto insurance policy doesn’t cover business use unless you let your broker know when you buy the policy. There are lots of options for commercial auto coverage, including non-owned auto, which covers all your employees if they drive their own trucks for the business, and fleet coverage, which can save you money if your company has at least five vehicles.

As an HVAC contracting business, you may think that cyber insurance is not for you. But this isn’t the case. If you store customer payment information or other personal data electronically, whether on a laptop or in the cloud, a hack or data breach could cost your company dearly, and this kind of loss isn’t covered by standard commercial general liability.

Cyber insurance also covers liability arising from your website or social media presence, includes PR support for any reputational damage and more. Today, cyber coverage is important for every business, and can be quite affordable. Ask your Mitch broker to include cyber coverage in your insurance quote. You’ll be glad you did.

The most common claims for HVAC contractors are fire losses and claims related to frozen pipes, whether they carry water, refrigerant or other chemicals. Learn more about common claims for HVAC contractors here.

Your business is unique, so are your insurance options.

Being a brokerage for over 70 of Canada’s top insurers means we have access to a wide range of insurance solutions as unique as your business – at some of the best rates in Ontario. Want to learn more about the coverage options available to you? Here are a few of them: