HVAC Contractor insurance requirements by state

Installs and services heating, ventilation and air conditioning systems. NAICS 238220 · elevated hazard class. Pick your state for the statutory thresholds, the limits clients demand, and modelled premiums.

Get this schedule quoted

Take these exact limits to a carrier

These are the providers that actually write hvac contractor risks in California. Bring the limits above with you — quoting the wrong limits is the single most common reason a certificate gets rejected.

CoverWalletBroker marketplace — compares several carriers at once. Useful when your contract demands limits the direct writers will not issue.Next InsuranceOnline quote in about 10 minutes, instant certificate download. Strongest for solo operators and crews under five.Pie InsuranceWorkers' compensation specialist. Usually the cheapest path once you have W-2 employees in a competitive state.biBERKBerkshire Hathaway direct. Low prices on commercial auto and property for established businesses.

Advertising disclosure: we earn a commission if you buy a policy through these links. It costs you nothing extra, and it never changes the coverage schedule above — requirements are derived from statute and contract language, not from who pays us.

Choose your state

What it typically costs

Modelled annual cost for a small hvac contractor operation with a crew of one to four in California: $11,050–$54,400, typically around $22,450. Rates move with payroll, claims history and contract limits.

Related trades