2026 Calculator
HVAC Insurance Calculator
Estimate your HVAC contractor insurance costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does HVAC insurance cost in 2026?
HVAC insurance typically costs $4,500-$10,000 per year including GL and workers comp. General liability alone ranges from $2,500-$5,000. HVAC contractors have moderate risk levels, similar to plumbers, with workers comp rates of $8-$14 per $100 payroll.
What insurance does an HVAC contractor need?
HVAC contractors need: General Liability (covers property damage, refrigerant leaks), Workers Compensation (required with employees), Commercial Auto for service vehicles, and Tools & Equipment coverage. EPA Section 608 certification is also required for refrigerant handling.
Does HVAC insurance cover refrigerant leaks?
Yes. General liability typically covers property damage from refrigerant leaks or spills. However, EPA fines for improper refrigerant handling are not covered by insurance. Proper EPA 608 certification and recovery procedures are required.
Why do HVAC contractors need EPA certification?
EPA Section 608 certification is required by law to purchase, handle, and dispose of refrigerants. Operating without certification can result in fines up to $44,539 per day per violation. Insurers require proof of certification.
Is HVAC insurance the same as plumber insurance?
They're similar but have different risks. HVAC involves refrigerants, electrical work, and sometimes rooftop units. Plumbers deal with water damage risks. HVAC workers comp rates ($8-$14) are similar to plumbers ($8-$15), both lower than electricians ($10-$18).