HVAC contractor insurance

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HVAC Contractor Insurance Plans for Total Business Protection

Running an HVAC company isn’t easy. Whether you’re installing heating systems in the middle of winter or repairing air conditioning units during peak summer, your work is hands-on, technical, and full of risk. One small accident—a damaged unit, an employee injury, or a customer lawsuit—can cost thousands. Without proper protection, your business, reputation, and income are all on the line.

At McDonough Insurance Services, we provide specialized HVAC contractor insurance that protects your livelihood. With policies built for HVAC professionals, we make sure you get the right HVAC business coverage so you can keep serving customers with confidence.

What Our HVAC Contractor Insurance Includes

We don’t believe in one-size-fits-all policies. That’s why we customize every plan to fit your exact needs. Here’s what’s typically included in our HVAC company insurance packages:

General Liability Coverage

Protection against claims of property damage or injury on the job.

Heating Contractor Liability Insurance

Coverage for mistakes, system malfunctions, or damage related to heating installations and repairs.

Air Conditioning Contractor Policy

Safeguards your work, tools, and liability while handling cooling systems.

Equipment & Tools Protection

Covers repair or replacement costs if your essential tools are lost, stolen, or damaged.

Commercial Vehicle Coverage

Keeps your vans and service vehicles insured while on the road.

Workers’ Compensation

Protects your employees and your business if accidents or injuries occur on the job.

HVAC Risk Protection Package

A complete solution that combines liability, equipment, and property protection into one easy plan.

Why HVAC Businesses Need Specialized Coverage

General business insurance often leaves gaps that HVAC contractors can’t afford. Working with refrigerants, gas lines, electrical systems, and heavy machinery comes with unique risks. A homeowner’s property could be damaged during installation, a commercial project could run into liability issues, or a technician could get hurt on the job.

That’s why our  HVAC contractor insurance is designed specifically for your industry. It addresses the risks most common in heating, ventilation, and air conditioning work—so you’re covered where it matters most.

Why Choose McDonough Insurance Services?
  • Industry Expertise – We know HVAC inside and out. Our team understands the unique risks you face every day.

  • Tailored Solutions – From small contractors to large teams, we build policies that fit your exact business model.

  • Dedicated Service – Fast claims, clear communication, and ongoing support you can rely on.

  • Long-Term Partnership – As your business grows, we make sure your coverage grows with you.
Protect Your HVAC Business Today

Your customers rely on you to keep their homes and businesses comfortable. Let McDonough Insurance Services give you the same peace of mind with complete HVAC risk protection.

Call us today to discuss your coverage needs or request a custom quote for your HVAC contractor insurance.

Frequently Asked Questions

We specialize in commercial insurance, workers' compensation, liability insurance, and tailored coverage to meet the unique needs of your business.

We identify credits, discounts, and overlooked savings opportunities to ensure you’re not overpaying for your insurance.

 

We don’t just sell policies. We partner with you to optimize your coverage, lower your costs, and provide 24/7 support when you need it most.

 

Not at all. We handle the entire process, including reviewing your current policies and setting up new coverage without disrupting your business operations.

Call us immediately. We’ll walk you through every step, ensuring the process is smooth and stress-free while minimizing any impact on your business.

Yes, we work with businesses of all sizes, from startups to established companies, tailoring our services to meet your specific needs.

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