General liability, commercial auto and tools/equipment coverage for HVAC techs and contractors — completed-operations protection and same-day certificates for GCs.
GCs won’t let you on site without a $1M general liability policy and a certificate naming them as additional insured. We place GL with completed-operations (for work that fails later), commercial auto for your service trucks, and tools/equipment coverage — then issue COIs the same day so you can take the job.
Injuries and property damage during installs and service.
Claims from work after you’ve left the site — vital for HVAC installs.
Your service trucks and drivers.
Inland-marine coverage for your gear against theft and damage.
Same-day certificates naming the general contractor.
HVAC general liability typically costs more than low-risk trades because of the work’s exposure — often roughly $1,000–$3,000+ per year depending on revenue, payroll, residential vs commercial work, and whether you add commercial auto and tools coverage. We bundle GL, auto and equipment and shop contractor markets to keep the total competitive while meeting GC requirements.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
If you bid commercial or sub work, general contractors require a $1M general liability policy with completed-operations and themselves named as additional insured before you start. You also need commercial auto for service trucks, and tools/equipment coverage protects the gear your business depends on.
Residential vs commercial, payroll, trucks, and GC requirements.
GL with completed-operations, commercial auto, and tools coverage.
Additional insured added for the GC and issued fast.
General liability often runs roughly $1,000–$3,000+ per year depending on revenue, payroll and whether you add commercial auto and tools coverage. We shop carriers for your best total.
It covers claims from work after you’ve left the site — essential for HVAC installs. We include it on your GL.
Typically general liability with completed-operations, commercial auto for service trucks, and tools/equipment coverage.
Yes — usually same-day, which is what most GCs require before you start.
Most GCs and many jurisdictions require proof of general liability (and workers’ comp if you have staff) to bid or pull permits.
Yes — commercial and new-construction work generally carries higher exposure and cost than residential service.
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