HVAC & Plumbing Insurance — no cold feet.
Mechanical trades share one signature claim: water where it shouldn't be. We insure HVAC and plumbing shops for the whole picture — liability with real completed ops, comp, the fleet, and equipment.
Coverage you probably need
General Liability
The failed fitting that floods a finished basement — days after you left. What is general liability? →
Workers Compensation
Codes 5537 (HVAC) and 5183 (plumbing) — required with employees in most states. What is workers compensation? →
Commercial Auto
Service fleets live on the road; auto is often the biggest line item. What is commercial auto? →
Inland Marine (Tools)
Gauges, recovery machines, press tools — expensive and portable. What is inland marine (tools)? →
Umbrella
Commercial and GC work increasingly requires limits above $1M. What is umbrella? →
What can go wrong
- A water line or condensate connection fails after install.
- A brazing torch scorches framing — or worse.
- A tech is injured lifting equipment or in a crawl space.
- Refrigerant handling goes wrong.
- A fleet accident during the morning dispatch rush.
What carriers usually ask
- Service/repair vs. new-construction mix.
- Residential vs. commercial percentages.
- Payroll, tech count, and fleet size.
- Hot work and refrigerant certifications.
- Water-damage claims history.
Common contract wording
Commercial work typically demands $1M/$2M GL with additional insured and waiver of subrogation; property managers often want certificates on file before your techs enter a building.
State notes: Mechanical licensing and comp rules vary by state; we line the coverage up with each license you hold.
Get covered for HVAC & Plumbing Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentHVAC & Plumbing Insurance FAQs
What is the most common serious claim?
Water damage from completed work — often discovered after hours. It's why we push completed-operations quality over bargain limits.
Are plumbing and HVAC insured together?
Usually yes for a combined shop — payroll is split by class code so each operation is rated correctly.
Do my vans need commercial auto?
Yes. Personal auto excludes business use, and a lettered van with racks is unmistakably commercial.
Can you handle multi-state service areas?
Yes — we write across states and keep the comp and auto compliant where your techs actually roll.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.