HVAC Contractors Business Insurance Solutions

Plumbing, heating, and air-conditioning contractors in all markets, including residential and repair, make up the largest segment of the specialty contractor market in the U.S., with 84,876 contractors doing $87.4 billion in business. This includes about 17,000 contractors who do over $1 million in business.

• Backed by an Insurance Carrier with Excellent Financial Strength
• Nationwide except 5 Boroughs of New York and Cook County, Illinois

General Liability

• $1,000,000 Per Occurrence
• $2,000,000 Aggregate
• $2,000,000 Products Aggregate*
• $100,000 Fire Damage Legal Liability
• $1,000, $2,500, $5,000, or $10,000 PD Deductible, Per Occurrence

*Limits may vary by state. Contact your underwriter for specifics.

Premium Financing

• Premium financing is available for all lines.

Special Extensions Available

• Blanket Additional Insured, full products available
• Per Job Aggregate
• Blanket Waiver of Rights
• Employers Benefits Liability

Umbrella

Up to $25,000,000 available, submit for quote.

Submission Requirements

• ACORD Applications
• Supplemental Application signed by Insured and Agent
• Loss Runs — 5 years currently valued and details of losses over $10,000
• 2 year job list
• Expiring declarations page and rating worksheet
• 5 years premium, payroll, receipts

Program Websites:

Sheet Metal and Air Conditioning Contractors’ National Association (SMACNA)

Air Conditioning Contractors of America (ACCA)

Plumbing-Heating-Cooling Contractors Association (PHCC)

Mechanical Contractors Association of America (MCAA)