Coverage Guide
HVAC Insurance Coverage Guide
Essential coverage for heating and cooling contractors
EPA Section 608 Required
EPA Section 608 certification is required to purchase, handle, and dispose of refrigerants. Fines can reach $44,539 per day per violation. Insurance does not cover EPA fines, but proper certification is required by most insurers.
Coverage Types
General Liability
Property damage, injury
$3,200
Base Annual
Workers Compensation
Employee injury, falls
$4,000
Base Annual
Tools & Equipment
Gauges, recovery units
$500
Base Annual
Commercial Auto
Service vans
$2,000
Base Annual
Trade Comparison
| Trade | WC Rate (per $100) | Main Risk |
|---|---|---|
| HVAC | $8-$14 | Refrigerant, Falls |
| Plumber | $8-$15 | Water Damage |
| Electrician | $10-$18 | Fire, Shock |
| Roofer | $25-$45 | Falls |