Construction · HVAC Contractors
Your team installs, services, and repairs systems that keep homes and businesses running. BLIS helps you review coverage for employees, service vehicles, tools, completed work, and the insurance requirements in your customer contracts.
Licensed commercial insurance support across 5 states
Start here
Share your contact information and a few basics about your business. A licensed BLIS representative will review your request.
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Submitting this request does not bind coverage or guarantee a quote. BLIS is licensed in California, Nevada, Arizona, Texas, Florida. CA License 0M74955.
Sending this form does not start coverage or guarantee a quote, price, or coverage result. BLIS will review what you send and may ask for a few more details before discussing available options.
What to expect
A BLIS representative reviews what you share, looks at what your business needs, and follows up if an important detail is missing.
A licensed BLIS representative reads what you send and gets familiar with your business.
We connect your day-to-day work, property, people, and vehicles with the coverage that may matter.
If something important is missing, we’ll ask a few focused questions instead of sending another long form.
When options are available, we help you compare price, limits, deductibles, exclusions, and policy terms.
After coverage starts, BLIS can help with certificates, policy changes, audits, renewals, and claim questions.
Your operation
HVAC owners manage installation crews, service technicians, stocked vehicles, specialty equipment, and systems that must keep working after the crew leaves. New construction, commercial retrofits, and residential service each bring different needs. BLIS helps you review the whole operation so your coverage can keep pace as the business changes.
Your technicians may handle refrigerants, electrical connections, gas-fired equipment, and ductwork in the same day. A service mistake or system failure can lead to property damage or an injury allegation. Describe the work accurately, including refrigerant handling and combustion-system service, so you can review the liability coverage that may apply.
A claim can arise after installation or service is complete. A refrigerant connection may leak, a drain line may cause water damage, or a combustion issue may be discovered later. General liability may address covered claims from completed work, subject to its limits, exclusions, and other terms. Review those details in light of the systems and project sizes you handle.
HVAC payroll may span more than one workers-comp classification. Installation, service and repair, sheet-metal work, driving, and office duties may be treated differently based on the state and actual job duties. Keep payroll records by role and update them when responsibilities change. This can make the year-end audit easier to understand.
Service vehicles may carry recovery machines, gauge sets, vacuum pumps, combustion analyzers, and sheet-metal tools. Property coverage written for the shop may limit coverage for equipment in transit or at a jobsite. An inland marine policy can cover eligible portable tools and equipment, subject to the selected limits, deductibles, locations, and security conditions.
General contractors and property managers may require specific limits, additional insured status, primary and non-contributory wording, or a waiver of subrogation. Review those requirements before starting work. A certificate summarizes coverage but does not add policy terms, so any required endorsements need to be included in the policy.
Residential service, commercial installation, refrigeration, and industrial work can lead to different coverage options and prices. Keep a clear revenue split by type of work and report material changes during the policy term. This helps BLIS compare the policy with the work your business is actually doing.
New construction and ongoing service create different day-to-day demands. Installation work may involve larger projects and longer responsibility for completed work, while maintenance brings frequent customer visits and more time on the road. Review service vehicles, drivers, operating radius, project size, and the mix of installation and repair work together.
If you hire sheet-metal crews, duct fabricators, electricians, or other subcontractors, your contracts and policy may require proof of their insurance. Collect current certificates and any required endorsements before work begins, then monitor renewals on longer projects. Missing records can complicate a claim involving a subcontractor's work.
Coverage
These are common coverages to consider, not a preset package. The right mix depends on how your business works, your contracts, state requirements, and the policy options available.
State law may require coverage for employees who work on rooftops, in mechanical rooms and attics, or around electrical and gas systems. Payroll may span installation, service and repair, sheet-metal, driving, and office classifications. BLIS reviews duties and payroll estimates so the policy reflects how your team works.
GL can address covered third-party injury and property-damage claims arising from your work. Completed-operations coverage may be relevant when a refrigerant leak, drain-line issue, combustion problem, or system failure is reported after the job is finished. Review limits, exclusions, subcontractor provisions, and contract-required endorsements.
Business-owned service vans and trucks generally belong on a commercial auto policy. Coverage can include liability and, when selected, physical damage for covered vehicles. Personal auto policies may restrict or exclude some business use, depending on their terms. Review every vehicle, driver, operating radius, and any use of rented or employee-owned vehicles.
Tools, Equipment & Refrigerant Recovery — An inland marine policy can cover eligible portable equipment in service vehicles, in transit, or at jobsites, subject to its terms. Coverage may be scheduled by item or written on a blanket basis. Build the limit from current replacement values and review deductibles, storage conditions, and coverage for newly acquired equipment.
Umbrella or excess coverage can add limits above scheduled policies such as GL and commercial auto. Commercial contracts may specify a minimum limit. Compare those requirements with the underlying policies, attachment points, exclusions, project sizes, and work performed in occupied buildings.
A duct shop, parts warehouse, or office may need coverage for the building, tenant improvements, fabrication equipment, and inventory at the insured location. Review stored refrigerant and recovered product with BLIS because policy terms and safety requirements can affect coverage. Portable equipment may need separate inland marine coverage.
What shapes your quote
These details can affect which options are available and what they may cost. You don't need all of them to start — send what you have, and we'll follow up on anything important that's missing.
Coverage examples
A few situations that show how coverage can respond when something goes wrong. These are examples only — not actual claims, and not a guarantee of any outcome.
Months after an HVAC contractor installs a split-system unit in a commercial office, a refrigerant leak damages sensitive tenant equipment. The building owner alleges that a connection was defective. General liability completed-operations coverage may address covered property damage and defense costs, subject to the policy's limits, terms, and exclusions.
An HVAC technician loses footing on a wet rooftop during a maintenance call and needs medical treatment. Workers' compensation may cover eligible medical expenses and lost wages as required by state law and subject to the policy. Rooftop work is one reason to describe technician duties accurately.
A company van is broken into during a service call, and a recovery machine, gauge set, and vacuum pump are stolen. The loss delays scheduled work. An inland marine tools-and-equipment policy may cover eligible property away from the shop, subject to its limits, deductible, security conditions, and other terms.
After a furnace service call, a carbon-monoxide alarm activates and occupants report symptoms. The homeowner alleges that a cracked heat exchanger should have been identified during the visit. General liability may address covered injury or property-damage allegations, subject to the policy's limits, terms, and exclusions.
The claim scenarios above are illustrative examples only. They do not represent actual clients, actual claims, or guaranteed coverage outcomes. Coverage for any specific situation depends on the policy terms, conditions, exclusions, and the facts of the claim.
After coverage starts
Once coverage is in place, new contracts or business changes can mean new paperwork. A certificate only summarizes policy information; the policy and its endorsements determine the actual coverage.
FAQ
Many HVAC businesses review workers comp, general liability, commercial auto, and inland marine for tools and equipment. Umbrella, commercial property, or other coverage may also be relevant based on contracts and operations. Refrigerant handling, combustion systems, completed work, service vehicles, and rooftop work make the details important. BLIS reviews the business as a whole and explains which options fit the work you perform.
At audit, the insurer may compare actual payroll and duties with the estimates used for the policy. HVAC payroll can span installation, service and repair, sheet-metal, driving, and office classifications. Keep payroll records by role and save subcontractor documents throughout the year. BLIS can help organize the requested information and explain the audit process.
It depends on the policy. Property coverage written for a business location may limit coverage for equipment in service vehicles, in transit, or at customer sites. Inland marine can cover eligible portable tools and equipment away from the shop, subject to the selected limits, deductibles, security conditions, and other terms. BLIS can review the current policy and equipment values with you.
They often do. A contract may require minimum GL, workers-comp, auto, or umbrella limits as well as additional insured, waiver, or primary and non-contributory endorsements. Requirements vary by customer and project. Share them with BLIS before work begins so the request can be compared with the policy. A certificate summarizes coverage but does not add policy terms.
General liability may address covered third-party property damage arising from completed work, but it does not make every repair or failure covered. The cause of loss, damaged property, exclusions, limits, and policy wording all matter. BLIS can help you review completed-operations terms and contract requirements. The insurer determines whether a specific claim is covered.
The mix can affect workers-comp classifications, general liability options, contract requirements, and price. Installation may involve larger projects and completed-work considerations, while service and repair bring frequent customer visits and vehicle use. Track revenue and payroll by work type, and report material changes during the policy term so the coverage can be reviewed.
Start with customer contracts because they may require a minimum umbrella or excess limit. Then review which underlying policies are scheduled, where the additional limits begin, and whether exclusions differ from the GL or auto policies. Project size, occupied-building work, vehicle use, and completed operations can help frame the discussion. Available limits and terms are determined by the insurer.
Keep exploring
From the insights library
Protect payroll, finished work, tools, vehicles, contracts, and subcontractor relationships with an insurance review built around the way your construction company operates.
Compare workers' compensation requirements, job classifications, payroll, audits, owner treatment, and claims history across BLIS's five licensed states.
Prepare the business description, claims reports, payroll, vehicles, property details, and contract requirements insurers need to consider a quote.
Ready to talk about insurance for your hvac business? Share the basics to get started.
Review Your HVAC CoverageCoverage availability, pricing, terms, conditions, limits, and eligibility depend on the insurer, state, details of the business, claims history, and policy terms. Nothing on this site guarantees coverage, pricing, approval, or savings.
Examples are hypothetical and illustrative. They show how a coverage can respond, not a promise that any specific claim will be covered. Actual coverage depends on your policy's terms, conditions, and exclusions.
Blue Lagoon Insurance Services, LLC is an independent insurance agency licensed in California (0M74955), Nevada (3983946), Arizona (3003332484), Texas (2966873), and Florida (L120266). BLIS is not an insurance company; final decisions about coverage, terms, and pricing belong to the insurer.
