Business insurance for HVAC contractors

Just in case things get a little heated, we’ve got you covered.

Why you need HVAC contractor insurance

As an HVAC contractor, you’re often working are in a client’s home, moving, maintaining, or installing heavy systems and dealing with electricity. HVAC contractors insurance will help protect your business against the many risks and liabilities you face as an owner, including jobsite injuries, theft of tools and materials, property damage and more.

HVAC contractors coverages we recommend:

The advantage of our HVAC contractors insurance policy is that it offers you a broad range of protection at surprisingly comfortable rates.
  • Business personal property covers the loss or damage to office or business equipment including computers, office furniture and more.
  • Building property protects your storage buildings and other structures you own.
  • Business liability helps protect you against costly claims and lawsuits due to personal injuries, property damage, and more.
  • Completed operations covers bodily injury or property damage claims that occur after a project is completed.
  • Mobile equipment provides broad coverage for your tools and equipment, whether you’re at home, on the jobsite, or taking a lunch break.
  • Installation floater protects valuable equipment or materials – like ac systems, furnaces and more – while in transit, awaiting installation, or being installed at the job site.
  • Property of others covers the loss or damage to property of others that is in your care.

Consider adding additional coverages

What’s covered in your business owner’s policy may not be enough, particularly if you work on light commercial projects, high-end homes, or install larger HVAC systems.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Surety Bonds

Surety Bonds guarantees your work for licensing requirements and can also give potential customers added peace of mind.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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