HVAC contractor insurance built for the trade.
WC, GL, tools, hired auto, and pollution for HVAC installers and service technicians. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
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Save up to 60% on broker commissions. Identical coverage, lower spend.
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Refrigerant pollution + tools-in-transit are HVAC-specific lines that generic GL policies miss. We get them right.
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COIs in minutes through the portal — your service-tech crews never wait for a broker callback.
Carriers we shop in HVAC
Coverage
What we quote in HVAC
Workers Compensation
HVAC class codes priced on real payroll. Ex-mod factor and split-class review before quote.
General Liability
Premises + completed-ops coverage tuned to install + service operations.
Tools and Equipment
Service-truck tool inventory, recovery machines, gauges, vacuum pumps.
Hired & Non-Owned Auto
Service-call vehicles, rented trucks, occasional crew vehicles.
Pollution Liability
Refrigerant releases, contractors-pollution incidents on residential and commercial jobs.
Inland Marine
Equipment in transit between supply house, shop, and jobsite.
Frequently Asked
HVAC insurance questions, answered.
What does HVAC contractor insurance typically cost?
Premium depends on payroll, gross receipts, residential vs. commercial mix, refrigerant handling volume, fleet size, and ex-mod factor. New-construction install work prices differently than service-and-repair. Final cost is subject to underwriting and the carriers writing HVAC class in your state.
Do I need refrigerant pollution coverage?
Yes. The pollution exclusion on a standard CGL form will deny refrigerant release claims, even from a routine recovery mistake on a residential job. A contractors-pollution endorsement or standalone pollution policy is the right placement, especially as EPA enforcement on R-410A and the A2L transition picks up. Without it, you're personally on the hook for the cleanup.
What's the right WC class code for HVAC techs?
Most HVAC field work falls under NCCI 5537 (heating, ventilation, AC — installation, service, and repair) with clerical split out to 8810. Sheet-metal-only fabrication may pull into 3066, and new-construction-only installers sometimes split to 5538. Misclassification at policy issue is the most common reason HVAC premium gets re-rated at audit.
What policies does an HVAC contractor need?
A typical HVAC program includes Workers Compensation, General Liability with completed-operations, Tools and Equipment, Hired and Non-Owned Auto for service-call vehicles, Pollution Liability for refrigerant exposure, and Inland Marine for equipment in transit. Coverage availability is subject to underwriting.
How fast can I get a Certificate of Insurance for a property manager or GC?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
HVAC insurance guides
From the brokers who place the class
HVAC contractor insurance requirements: what GCs, permits, and contracts actually demand
Additional insured endorsements, waivers of subrogation, primary and non-contributory wording, and license bonds, decoded for HVAC contractors.
Read the guide →Why HVAC workers comp mods run high — and how class code splits fix overpriced policies
How the experience mod actually works for HVAC contractors, the 5537 class code, payroll splits that survive audit, and what really moves a mod down.
Read the guide →