Is refrigerant handling covered?

Yes, GL policies can be endorsed for refrigerant-related liability for HVAC contractors.

How fast can I get a quote for HVAC Contractor?

Most hvac contractor quote requests are reviewed within one business day. Submit the short form on this page and a Casurance advisor will follow up with Travelers pricing and next steps.

Does Travelers require an inspection before binding coverage?

Inspections are not required for most accounts in this class. Larger accounts, prior losses, or higher-hazard operations may trigger a routine underwriting or loss-control review before or shortly after binding.

Can I get a certificate of insurance the same day?

Yes. Once your policy is bound, Casurance can typically issue a certificate of insurance (COI) the same business day for landlords, general contractors, or clients who require proof of coverage.

What information do I need to get an accurate quote?

Have your annual revenue, payroll, years in business, prior loss history, and a general description of your operations ready. The quote factors listed above cover what underwriters typically ask about hvac contractor accounts.

ContractorsSIC 1711

HVAC Contractor Insurance in California

Coverage for heating, ventilation, and air conditioning contractors including installation, service, and maintenance.

HVAC Contractor Insurance - Travelers commercial insurance coverage

Common Risks & Exposures for HVAC Contractor

Refrigerant leaks and environmental exposure
Carbon monoxide incidents on furnace work
Water/property damage from condensate or ductwork
Injuries lifting rooftop units

Coverage Options for HVAC Contractor

Travelers writes HVAC contractors with clean loss history. Refrigerant handling and work on high-rises may trigger referral.

General Liability

Protects against third-party claims of bodily injury, property damage, and advertising injury arising from your operations — the foundation of most commercial policies.

Business Owners Policy

Bundles general liability and commercial property into a single, typically lower-cost policy for smaller and mid-sized operations.

Workers Compensation

Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.

Commercial Auto

Covers owned, leased, or hired vehicles used for business purposes, including liability and physical damage from accidents.

Inland Marine

Covers tools, equipment, and materials while in transit, in storage, or at a job site — property that a standard property policy may not follow.

Licensing, Certificates & Contract Requirements

Active CSLB (Contractors State License Board) license number and classification matched to work performed

Certificate of Insurance (COI) naming general contractors or property owners as additional insured, often required before work begins

Primary and non-contributory wording, and waiver of subrogation, frequently required in subcontract agreements

Proof of workers compensation coverage for any employees, per California labor law

Review of indemnification and hold-harmless clauses in construction contracts before signing

What Underwriters Ask About HVAC Contractor

These are the main quote factors Travelers underwriters typically review for this class:

Percentage of residential vs commercial work
Refrigerant types handled
Subcontractor payroll
Fleet size

Have an Expiring Policy or Loss Runs?

Upload your current declarations page, loss runs, or CSLB/license documentation with your quote request and we'll factor them into your hvac contractor quote — often speeding up turnaround time.

Frequently Asked Questions

Related Contractors Classes

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Get a HVAC Contractor Insurance Quote

Tell us about your business and Casurance can help you review Travelers coverage options for hvac contractor.

Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage.

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