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.
60%
Average reduction in broker commission
Compared with the 15 to 20% most brokers bake into your premium. We negotiate ours down and shop your risk across the carriers competing for your class. Identical coverage, lower spend.
- Annual savings for our largest single client
- $1M+
- From submission to quotes back, on most classes
- 24h
Why businesses switch to Delegance
Lower broker commission on identical coverage.
Refrigerant pollution + tools-in-transit are HVAC-specific lines that generic GL policies miss. We get them right.
COIs in minutes through the portal. Your service-tech crews never wait for a broker callback.
Carriers we shop in HVAC
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.
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, which covers heating, ventilation, and 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 like intake, COIs, endorsements, policy Q&A, and 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.
Same conversation across every channel.
- Web Portal: Full insurance management dashboard: policies, COIs, endorsements, and quotes from any browser.
- Delegance Insurance (ChatGPT): Search policies, generate Certificates of Insurance, and request quotes inside the ChatGPT App Store app.
- Claude Connector: Connect Delegance to Claude (web, desktop, Code, Cowork) via the MCP connector.
- MCP Server: Programmatic AI integration via the public Model Context Protocol server.
- 855-600-7543: Reach a licensed broker by phone Mon-Fri, 9am-6pm ET.
- [email protected]: Email for any request. Orin and a licensed broker both respond.
HVAC insurance guides
- HVAC contractor insurance requirements: what GCs, permits, and contracts actually demandAdditional insured endorsements, waivers of subrogation, primary and non-contributory wording, and license bonds, decoded for HVAC contractors.
- Why HVAC workers comp mods run high: and how class code splits fix overpriced policiesHow the experience mod actually works for HVAC contractors, the 5537 class code, payroll splits that survive audit, and what really moves a mod down.