Airtight Coverage For HVAC Contractors


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Why choose Mitchell & Whale for your HVAC Contractors Insurance?

At Mitchell Whale, we understand that Installing, repairing, and maintaining heating, ventilation, and air-conditioning systems is an exact and technical business. You need protection that covers you, your employees, and subcontractors from every day risks, and that shields you from any unforeseen liability.. Your shop and/or work vans could be broken into and tools stolen; a fire could occur as a result of work completed; the site you are working on could be burglarized.

HVAC contractor’s insurance is custom-tailored to the specifics of your industry, and can be customized to your business in particular. Your tools, your shop, your vehicles, your employees, and your work itself can all be insured against any incidents ranging from fire to theft, accident to miscalculation. Some of the HVAC businesses and contractors who need industry-specific coverage include:

  • Residential HVAC contractors
  • Commercial and industrial HVAC contractors
  • Speciality HVAC businesses
  • HVAC Subcontractors
  • Home Maintenance, Repair, Renovation & Improvement Businesses

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Commercial Insurance Options for HVAC Contractors:

Mitchell & Whale can provide you with the customized protection you can count on, and ensure you understand your policy, so you can work confidently, knowing what’s covered, what isn’t, and what you can expect from your coverage in the event of a claim. Some of the standard types of coverage that apply to HVAC contractors insurance.

General Liability Insurance

Every HVAC job has its risks and liabilities that you need to make sure you are covered against, so you can focus on your work without worry. Installing a ventilation system; getting a heating system installed into a new home; or repairing a broken AC Unit: all involve risks associated with physical, mission-critical work. General liability insurance protects the basic work of your HVAC contract, protecting you from some potential liabilities such as:

  • Water Damage
  • Leaks from Heating or AC Systems
  • Burst or Damaged Water Heaters, Boilers, and other systems
  • Fire Damage
  • Electrical Malfunction or electrocution

As an HVAC Contractor, you may also be liable for environmental damage or health hazards, such as a client’s exposure to harmful molds or bacteria caused by installation or repairs. Without specific pollution insurance, even if you are not found liable for damages resulting from these environmental dangers, you may still find yourself paying out of pocket for legal advice and proceedings.
More on contractors liability insurance

Commercial Vehicle Insurance

Be aware that liability coverage for business vehicles differs from non-commercial, personal auto coverage. Customized to address the special needs of HVAC contractors, this kind of liability insurance primarily covers damage occurring if an employee has an accident while driving a company vehicle as well as costs for renting/leasing a vehicle for business purposes.

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Commercial Property Insurance

Pays for damage/loss/theft/replacement of your tools, equipment and other items used in performing repairs and installations of HVAC systems. Options for covering larger, more expensive equipment are also available.

Equipment Breakdown

Equipment Breakdown Insurance, also known as boiler and machinery insurance, covers interruptions to your business caused by sudden and accidental damage to your business equipment. This coverage fills the gap in commercial property policies, covering loss or damage caused by electrical malfunction or mechanical failure. Equipment Breakdown coverage protects your business from delays, covers your repair costs, and gets you back to work as soon as possible.

Some of the risk that Equipment Breakdown insurance protects you and your HVAC business from:

  • Loss of Equipment: Covers the equipment that helps you run your business day to day, such as heating, air conditioning, ventilation, computer, and electrical systems.
  • Loss of Business: Protection from work stoppages and sudden down-time caused by equipment breakdown.
  • Recovery Expenses: Once your business is up and running after a stoppage, and your equipment has been repaired or replaced, you might find yourself facing additional costs from recuperating completing your contractual obligations and installations.

More on commercial property insurance

Tools Coverage

Coverage for your tools, your gear, and your HVAC business in the case of loss, theft, or other incidents that lead to the absence or destruction of your property. Protection of gauges, pumps, charging stations, and all of your other tools and equipment is protection of the material you need to complete your HVAC contracts. That’s why equipment insurance is a key element of strong, reliable HVAC Contractor’s insurance.

Your Business is Protected—Are You?

Working in HVAC means physically demanding tasks, restricted spaces, speciality equipment that needs to be properly handled, and a variety of different environmental conditions and hazards, all of which presents risks that can affect your health and ability to work. Hazards such as electrocution, burns, falls, and exposure to asbestos are real risks of working with heating, ventilation, and air conditioning systems, so your health needs coverage just as much as your business does. Our brokers can shop the top insurance carriers to find you the best workers compensation available in Ontario, as well as the perfect coverage for your HVAC business at a price that suits you, and protects your work, your workers, and yourself.

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