The Allen Thomas Group Independent Insurance Agency

Call Now or Get A Quote

Colorado Heating, ventilation, and air conditioning Contractor Insurance

Get A Precise Insurance Quote For Your Colorado HVAC Business Now

It Just Takes A Few Clicks

Or Give Us A Call At (440) 826-3676

get the best Colorado HVAC Contractors Insurance cost from The Allen Thomas Group

Future Proofing Your Colorado HVAC Business With The Right Insurance Coverage

Colorado HVAC Contractor Liability Insurance

As an HVAC contractor in Colorado, you face unique risks and challenges every day on the job.

From potential property damage or injuries at a work site to mistakes that could prompt a liability claim, it’s crucial to have the right insurance in Colorado. But it’s not easy to choose the right coverage.

Worry not! Trust The Allen Thomas Group as your go-to insurance company for all things insurance.

We are Colorado contractor insurance experts dedicated to helping HVAC businesses safeguard their operations and stay compliant.

Don’t let one accident or oversight ruin years of hard work.

Get started now. Contact us today to start a quote.

Click on the button below to take the first step to secure comprehensive insurance designed specifically for HVAC professionals.

How Much Does HVAC Contractor Insurance Cost in Colorado?

The cost of general liability insurance for HVAC Contractors in Colorado ranges from $500 to $700 annually.

$1,000 to $3,000 annually for established businesses with broader service offerings, including commercial work.

$2,000 to $5,000 annually for comprehensive coverage including higher liability limits and additional options like Errors and Omissions insurance.

Table of Contents

Understanding Colorado HVAC Contractor Insurance Requirements

Understanding the specific insurance requirements for your HVAC contracting business in Colorado is crucial. But at the same time, it can be a daunting task.

Contractors face a lot of risks and an understanding of licensing regulations and mandatory coverages as well as excluded operations can help.

That’s why we’ve partnered with the Colorado Department of Regulatory Agencies to fully understand and stay up-to-date on all the rules and criteria HVAC contractors must meet.

We’ll guide you through the process and explain why you require HVAC contractor insurance. 

Colorado Workers Compensation Insurance for HVAC contractors

Mitigating Risks Specific to Colorado HVAC Contractors

Working as an HVAC contractor in Colorado comes with its own set of inherent risks posed by factors like the climate, terrain, and local regulations.

According to the National Association of Home Builders (NAHB), falls from roofs are one of the leading causes of injuries in the construction industry – a notable hazard for HVAC contractors frequently working on top of homes and buildings. Safeguarding your crew with proper workers’ compensation coverage is essential.

Colorado’s fluctuating weather patterns also create unique challenges that could increase the chances of an accident or damage occurring during an installation or service call.

From temperature swings to heavy snowfall, we’ll ensure your insurance for HVAC contractors accounts for these specific liabilities in the state of Colorado.

Key Types of Insurance Coverages   

General Liability Insurance Policy

General liability coverage is a broad policy that protects general contractors from third-party claims of bodily injury, property damage, and advertising injury.

For example, if an employee accidentally causes a leak that ruins a client’s expensive hardwood floors, general liability insurance for HVAC contractors would provide adequate coverage to cover the repair costs.  

A general liability policy protects businesses from financial losses due to property damage, injury claims from third parties, and even some reputational harm.

Workers’ Compensation Insurance

 In Colorado, businesses are required to carry workers’ compensation insurance if it has more than one employee.

One of the most essential insurances you need, this insurance can help cover the cost of medical expenses, lost wages, and rehabilitation costs if an employee suffers a work-related injury or illness. 

Tools and Equipment Insurance

Your specialized diagnostic equipment and tools are essential to your operations but can also be a major investment. We can tailor equipment insurance coverage that protects your most valuable assets for any HVAC project.

Errors & Omissions Insurance (Professional Liability Coverage)

Even an honest mistake during an HVAC installation or repair can lead to costly damages for your client. This commercial insurance safeguards your business if you face a claim of professional negligence resulting in a client’s financial losses.  

Commercial Auto Insurance

Using a personal auto policy alone leaves dangerous coverage gaps and doesn’t protect your business operations. Commercial auto insurance provides essential liability protection if one of your company vehicles is involved in an accident. This coverage can help pay for property damage and injuries.  

Employment practices liability insurance

This important insurance covers businesses from lawsuits alleging discrimination, wrongful termination, harassment, or other employee complaints. 

The HVAC contractor liability insurance protects you in many ways.

The coverage will help pay legal defense costs, damages awarded to employees, and settlements. financial protection, peace of mind, and potentially better employee relations.

With costs varying by business specifics, liability insurance provides a valuable coverage option to mitigate lawsuit risks.

Understanding Local Climate and Building Code Risks

Colorado’s varied climate poses some unique weather-related risks in the HVAC industry, from summer hailstorms that could damage outdoor equipment to winter freezes stressing heating systems.  

Our team will also help you navigate any local building code or permit requirements that could impact your operations and Castle Rock insurance needs within specific municipalities.

Finding the Right Business Insurance Partner for the Best Insurance Cost  

Comparing Insurance Options in Colorado

When it comes to finding the right insurance, we typically recommend gathering quotes from at least 3 different reputable insurance groups serving the Colorado HVAC industry.

This allows business owners to properly evaluate and compare pricing, coverages, limits, and terms. 

The Allen Thomas Group has operated for over 20 years as an independent insurance agency serving Colorado and partner with top-rated insurance providers across the state.

We offer customized HVAC contractor business insurance solutions tailored specifically to address the risks you face daily.

Our team takes a deep dive into the inner workings of your business, from the types of systems you service to your fleet of company vehicles.

We’ll identify any potential gaps in insurance and craft an insurance portfolio that ensures the best coverage to protect your operations, employees, and customer properties.

The Allen Thomas Group Claims Process: Streamlining Your Experience

If an accident or mistake occurs in the course of your business, you can count on our dedicated claims specialists to be by your side from start to finish.

We’ll ensure all documentation is properly filed, assist with providing any additional information required, and work closely with the insurance carrier to advocate for a fair settlement that properly addresses your loss.

Our aim is to make the entire claims process as straightforward and transparent as possible.  

Adapting to Evolving Risks in the HVAC Industry

The HVAC field is rapidly evolving, with new technologies, regulations, and emerging risks consistently reshaping the landscape.

Cyber threats, updated refrigeration policies, and increasing natural disasters are just a few examples of modern-day exposures HVAC contractors must be prepared for.

At The Allen Thomas Group, we stay ahead of industry changes to ensure your insurance coverage keeps pace. Whether it’s incorporating cyber liability, tweaking your business property policy, or exploring new specialized products, we understand that you need specialized insurance.

Let us work together to protect your business from the risks of tomorrow within Colorado.

Risk management and prevention are also key focuses.

Colorado Contractors seeking guidance on implementing safety protocols, routine equipment maintenance, robust documentation practices can depend on us to take proactive steps to minimize future claims and keep your premiums down long-term.

Colorado HVAC contractors insurance

Tailored Insurance Solutions Built For Your Colorado HVAC Business

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right HVAC contractor liability insurance can be and how it can be difficult to get a certificate of insurance quickly.

Let us help craft a policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get HVAC Insurance Now

It Just Takes A Few Clicks

Our happy customers
Hear Directly From Other Clients

Our Commercial Insurance Carrier Partners


That allows us to find the best rates for your business.

Contact Us Today To Get an Insurance Quote for Contractors in Colorado

The right insurance offers peace of mind and protection.

You cannot ignore it!

Don’t wait until it’s too late to properly insure your HVAC contracting business in Colorado.

Requesting a free quote from The Allen Thomas Group is fast, easy, and obligation-free.

Contractors also need to share some details about their operations, such as business size, services offered, and existing coverages.

From there, our specialists will go to work crafting insurance products tailored to your unique needs and risks.

The goal is to find the most appropriate types of coverage for your specific business needs against costly accidents, damages, and liability claims. 

 It’s possible to minimize financial risk from lawsuits with liability insurance in Colorado that covers property damage, bodily injury, and certain errors and omissions.

Secure peace of mind and future-proof your business today by requesting your free quote online.

We offer affordable customized insurance programs to give you protection from risks and liabilities.  

Get an insurance quote today or call our team at (440) 826-3676 and you can easily qualify for a certificate of insurance as a proof of insurance.

People also ask

Get More Insights On Making The Right Insurance Decision For Your Company

We understand the importance of compliance in Colorado.

While general liability insurance isn’t a statewide mandate for HVAC contractors, it’s highly recommended and often required by clients before hiring you.

As a Colorado based HVAC contractor, you need comprehensive coverage. We at The Allen Thomas Group can tailor an insurance package that includes general liability, workers’ compensation, and even inland marine to protect your tools and equipment.

At The Allen Thomas Group, an independent insurance agency serving Colorado contractors, we can get you competitive quotes from various insurance providers. This allows you to compare rates and choose the best fit for your budget and coverage needs.

We can help! At The Allen Thomas Group, we understand the urgency of getting insured. Our team can get you fast quotes from reputable insurance carriers in Colorado, allowing you to quickly compare options and secure the coverage you need.

Virginia State Bar Association:

Virginia Department of Professional and Occupational Regulation (DPOR):

The National Association of Home Builders (NAHB):

Popular Colorado Locations We Serve HVAC Contractors In







Battlement Mesa



Black Forest





Cañon City


Castle Pines

Castle Rock


Cherry Creek

Cherry Hills Village

Cimarron Hills


Colorado Springs


Commerce City




Dakota Ridge




Dove Valley








Estes Park




Federal Heights


Fort Carson

Fort Collins

Fort Lupton

Fort Morgan







Glenwood Springs


Grand Junction


Greenwood Village




Highlands Ranch


Ken Caryl


La Junta





Lone Tree




Manitou Springs




New Castle


Orchard Mesa



Pueblo West



Roxborough Park




Shaw Heights



Steamboat Springs





The Pinery



Twin Lakes





Wheat Ridge


Woodland Park