Heating · Cooling · Ventilation
Insurance for HVAC contractors in the GTA
HVAC work combines gas, electrical and service calls in clients’ homes and buildings. I build programs that cover your liability, tools and vans, with fast certificates.
Who we insure
- Furnace installers
- AC technicians
- Duct cleaners
- Refrigeration
- Gas fitters
- Sheet metal
Coverage for hvac
Commercial general liability
Responds to third-party bodily injury and property damage claims arising from your operations, subject to policy terms.
Tools and equipment
Gauges, recovery machines and tools on the go.
Commercial auto
Coverage for vehicles used in your business, from a single van to a fleet.
Installation floater
Equipment you are installing before the job is accepted.
Contractors pollution
Refrigerant and related pollution exposures.
Contractors E&O
For design or system-sizing advice.
FAQ
Questions I hear often
Do HVAC contractors need pollution coverage?
It is often recommended given refrigerants and gas work.
Is equipment covered before installation?
Only with an installation floater or similar coverage.
How fast are certificates?
Once bound, standard certificates are usually issued quickly.
Are my vans covered for tools?
Tools need their own coverage; your auto policy covers the vehicle.