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Understanding How To Protect Your HVAC Dealership With Proper Insurance Coverage

HVAC insurance for businesses

Being an HVAC dealer, you face unique challenges and risks associated with your industry. 

How is the business prepared for supply chain disruptions, such as delays in receiving HVAC equipment or parts? Do you work with contractors for installing air conditioning and cooling systems? 

Running an HVAC business comes with its fair share of risks. From on-the-job labor injuries to lawsuits, you need the right insurance coverage to protect your company when the unexpected happens. Unless you have the proper coverage, your business might be on the verge of collapse in the event of potential challenges that seek to ruin your reputation.

Remember, repairing a reputation takes a lifetime. So, shield it with the best coverage for your business before the worst happens.

Looking for the best insurance partner to get a quote?

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Table of Contents

Critical Coverages and More Understanding About Insurance For HVAC Dealers

Insurance is a crucial investment for HVAC dealers, offering protection against various risks that can impact their operations, finances, and reputation.

Having the right insurance coverage ensures that the business can weather challenges and continue to provide quality services for clients.

Choosing the right insurance agency is the most critical part of the process. You want an agent that understands your business and can offer expert advice.

Here are a few reasons why partnering with the best insurer for your HVAC dealer insurance makes sense:

Specialized Knowledge of the HVAC Industry

The best insurance agents have experience working with dozens of HVAC contractors. They understand the equipment you use, the services you provide, the risks you face, and how to insure you properly against such challenges and risks.

When you work with the best in the insurance industry, you can trust their recommendations tailored to help protect HVAC businesses.

They Shop Multiple Carriers to Find the Best Rates

Rather than work with a single insurance carrier, the best agents have access to a network of top commercial insurance companies. That is what The Allen Thomas Group provides as an independent insurance agency.

This allows them to compare plans and negotiate the most competitive rates for your business. You get the right coverage at the best price for your small business.

Local Agents Who Work for You

We are with you no matter which systems you sell including:

  • Trane
  • Carrier
  • Lennox
  • Goodman
  • Rheem

The best HVAC business insurance providers have a local base and are always available to answer your questions, walk you through policies, and provide hands-on support.

You’ll get 24/7 support and work with humans, and not machines.

Comprehensive Business Insurance Options

You can expect all the insurance products your HVAC company needs in one place. This includes general liability, commercial auto insurance, equipment coverage, workers’ compensation, E&O insurance, commercial property, and more.

Top insurance carriers are always available to select the best insurance products and create a customized bundle, taking into consideration all of your requirements, the size of business, and potential risks and challenges facing your business.


Running an HVAC company comes with an array of risks. We recommend some key insurance coverages to adequately protect your business dealing with air conditioning, heating units, and similar tools and equipment.

 General Liability Insurance 

General liability coverage protects against third-party bodily injury and property damage claims. It covers both legal defense costs and court judgments up to the policy limit. It is crucial for an HVAC dealer if a customer ever sues for injury or property damage. With this insurance, you won’t be charged to make payment for third-party losses. Your insurance will take care of that.

 Commercial Auto Insurance

Covers collision, theft, and liability for your company vehicles. It is required by law in most states if you have vehicles registered for your business. With business vehicle insurance, you are shielded if a driver gets into an accident while on the job. Get the comfort and peace of mind that the vehicles carrying your goods are safe.

 Equipment Coverage / Inland Marine

Protects HVAC equipment like compressors, pumps, and generators from damage or theft – whether on or off premises. With tools and equipment coverage, you are covered for any loss of income if the equipment fails. 

 Workers’ Compensation Insurance

Covers medical bills, legal fee, and lost wages for employees and technicians injured on the job. It is required in most states as a protection for labor. Workers comp shields your business if a worker gets injured on the worksite and pays for their medical expenses, which could be very expensive if you pay out of pocket.

 E&O / Professional Liability

Protects against financial loss from property damage or bodily injury resulting from a service error. Lawsuits can be quite costly if a third party files a case against you for negligence. E&O provides a safety net.

 Cyber / Data Breach Insurance

Covers costs related to a data breach, including customer notification, credit monitoring, legal costs, and PR. Cyber liability insurance has become crucial as HVAC systems become more high-tech. 

 Commercial Property Insurance

 Protects your office, warehouse space, inventory, and equipment from damage or loss caused by natural or manmade events, such as fire, wind, and hail. This type of coverage ensures business continuity if disaster strikes.

 Business Income / Extra Expense

Covers income lost due to suspended operations from a covered loss like fire. It also covers unexpected expenses above and beyond normal operating costs.

That means if you obtain this coverage, you don’t have to worry about a lack of cash flow if you can’t operate.

This broad suite of policies provides end-to-end protection for all aspects of your HVAC business. Our agents walk you through each option to build a customized plan.

insurance for HVAC businesses
Smart And Easy Insurance Solutions

Choosing the Right HVAC Dealer Insurance Agency

HVAC dealer insurance

Not all insurance agencies understand the unique risks and needs of HVAC dealers. 

Look for one that has the following qualities:

  • Specialized Industry Experience
  • Multiple Carrier Options
  • Risk Management Services 
  • Personal Relationship

Getting The Right Insurance For Your Business

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right coverage and getting a COI can be and how it slows down your ability to care for your customers.

Let us help fix it for you in 3 easy steps.

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 The Service You Need With An Agent You Can Trust

Insurance Agent: Joe Race

Phone Number: (440) 826-3676


Joe Race Chief Executive Officer and Insurance Agent at The Allen Thomas Group
Get Precise Coverage For Your Company In Minutes

It Just Takes A Few Clicks

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 HVAC Insurance FAQs

General liability insurance covers costs related to 3rd-party bodily injury, property damage, personal injury, and advertising injury claims.

It covers both judgments and legal defense. 

Most experts recommend $1 million in general liability coverage to start. Umbrella insurance can provide additional liability limits beyond that.

The amount you need depends on the size of your business and the projects you take on.

Yes! General liability insurance, commercial auto, inland marine, E&O, cyber, and commercial property policies are all recommended, even if you don’t have employees.

Workers’ compensation is only required if you have W-2 employees. 

 E&O insurance covers financial loss resulting from a professional mistake that leads to property damage or bodily injury.

For example, this insurance shields your business if faulty HVAC installation causes a home fire.

Besides, it provides protection even when general liability does not apply.

No. Standard home and auto policies exclude business activity.

You need commercial policies that cover your HVAC equipment, vehicles, and operations if they are accidentally involved in unintentional damages.

  • Alabama
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nevada
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Utah
  • Virginia

Yes, you can!

We offer convenient business owners policies (BOPs) that bundle general liability, commercial property, and inland marine under one policy.

It makes things simpler with one bill and shared limits. 

The insurance cost may vary based on location, risk exposures, claims history, number of employees, coverage limits, and other factors. 

 Choose moderate coverage limits, maintain proper safety protocols, institute a drug-free workplace program, ensure contracts protect you from liability, and partner with an insurance agency that shops multiple carriers. 

Technically you can operate without insurance, but it leaves you financially exposed.

Some HVAC contractors avoid working until proper general liability, auto, E&O, and workers’ compensation policies are in place.

Since insurance is like your business’ seatbelt, you’ll need the right policies to shield yourself. 

Our Carrier Partners


That allows us to find the best insurance rates for our local retail store businesses.

 Get the Best HVAC Business Insurance With The Allen Thomas Group

Running an HVAC company comes with substantial risks that require proper insurance coverage. Imagine a scenario if you aren’t shielded against potential liabilities. As an HVAC dealer, you’re responsible for shielding your investment. Let not the risks ruin your hard-earned reputation. 

Trust insurance experts to review your business risk potential and make accurate estimates of potential risks. After a proper analysis, they can give you a protection warranty against all risks.

As a local, independent agency, The Allen Thomas Group has worked with dozens of HVAC dealers, retailers, and contractors during our 20+ years of service.

We can help you understand your policy options and customize the optimal insurance bundle for your business.

 To learn more and get a free quote, call our commercial insurance experts at (440) 826-3676 or contact us online. We’re here to provide trusted guidance and protection.

Let us help you safeguard your company with the best insurance options that are compliant with state law. We can help you with risk management and keep your HVAC business in compliance and covered.

Connect with us and start your free quote. Partnering with the right commercial insurance advisor makes all the difference – let The Allen Thomas Group be your trusted resource. We won’t let you down.

Let’s make smart choices that typically cover you against all potential risks and liabilities.