Keep Your HVAC Business Running with the Right Insurance
Why HVAC Contractors Need Insurance
Every job you take on—whether installing a new system, repairing faulty units, or performing routine maintenance—carries risk. A broken pipe, damaged equipment, or on-site injury could lead to expensive setbacks. Without the right insurance, one incident could disrupt your HVAC business and hurt your bottom line.
At Affordable Contractors Insurance, we specialize in contractor-specific coverage to protect your cooling and heating engineers at every stage. Our policies are built to handle the risks you face—so you can focus on the job without worrying about what might go wrong.
Protect Your Business—Save Up to 25%
Start with as little as 20% down.
Why HVAC Contractors Trust ACI
Fast Insurance Quotes & Certificates
Get covered in minutes, with same-day binding available.
Affordable Premiums
Save up to 25% with bundled coverage.
Nationwide Support
State-specific insurance solutions for compliance anywhere you work.
Coverage You Can Count On
What Does HVAC Contractors' Insurance Cover?
General Liability Insurance
Covers third-party injuries or property damage caused on the job—whether it’s a damaged wall or an accident involving your crew.
Tools & Equipment Insurance
Protects your essential tools from theft or damage, keeping projects on schedule.
Workers’ Compensation
Provides medical coverage and wage replacement if your employees get injured on the job. Protect your team and stay compliant with state laws.
Completed Operations Coverage
Even after the job is done, you’re still at risk. If a customer files a claim for faulty installation or a system failure, this coverage helps handle legal and repair costs.
What Happens Without the Right Insurance?
Skipping coverage leaves your HVAC business vulnerable.
Costly Repairs
If a system malfunctions after installation or a coolant leak causes damage, you’ll have to pay for repairs out of pocket.
Injuries & Medical Costs
A simple accident on-site could result in medical bills and legal claims—expenses that could drain your business without liability insurance.
Legal Action
If a customer sues over defective work or missed deadlines, you’ll need coverage to handle court fees, settlements, and attorney costs.
Fast, Reliable Service Every Step of the Way
At ACI, we know your time is valuable. That’s why we’ve made the process simple and fast:
Get a Quote in Minutes
Submit your info online for a quick estimate.
Speak to an HVAC Business Insurance Specialist
Our agents know the work and will tailor your policy.
(888) 505-9012
Start Coverage Today
With as little as 20% down and you’re ready to go.
Request Certificates Anytime
Fast, easy access to certs when you need them.
We’re More Than Just Insurance
When you insure with ACI, you get a trusted partner who understands your trade. Our goal is to help you stay compliant, reduce risks, and focus on building your business—not worrying about paperwork or legal hassles.
No phone menus, just real people who understand your needs.
Whether you’re a small or large business, we’ve got you covered.
When the unexpected happens, we’ve got your back.
Get a Quote Today
Don’t wait until something goes wrong to get protected. Answer a few quick questions, and we’ll build a custom policy designed for your contracting business—keeping you protected from the unexpected.