Calculate HVAC contractor insurance costs. GL, workers comp, and EPA refrigerant coverage for heating and cooling contractors. Based on 2026 NCCI data.
Calculate Your PremiumHVAC insurance is specialized coverage for heating, ventilation, and air conditioning contractors. It includes General Liability, Workers Compensation, and coverage for refrigerant handling. EPA Section 608 certification is required.
In 2026, HVAC insurance costs $4,500-$10,000 per year. Workers comp rates ($8-$14 per $100 payroll) are moderate, similar to plumbers. The HVAC industry is growing at 5.1% annually, creating strong demand for qualified contractors.