Keep Your HVAC Business Running Smoothly
As an HVAC contractor, your work keeps BC homes and businesses comfortable year-round. But with the hands-on nature of your trade comes risk—from equipment failures to property damage. With HVAC contractor insurance from Park, you can keep your business protected, no matter the season.
Speak with a Park Insurance broker today to protect your business and stay compliant.
Why HVAC Contractors Trust Park Insurance
- We’ve been working alongside BC’s trades community for decades, so we know what HVAC contractors need to stay protected.
- Our coverage is built to suit every type of job, from residential installs to large-scale commercial systems.
- Our local brokers speak your language and understand the permitting and regulatory landscape across BC.
- Whether you’re growing your crew or just starting out, our coverage scales with your business.
- And when something goes wrong? We’ve got your back with fast, friendly support that helps you get back on the tools—without the headaches.
What’s Included in HVAC Contractor Insurance?
Every HVAC business operates a little differently. Whether you’re running a mobile unit, overseeing a team of installers, or managing large commercial projects, the right insurance policy needs to reflect the real-world risks you face every day.
Here are the core coverages available for HVAC contractors in BC:
- Commercial General Liability (CGL): Covers property damage or bodily injury caused by your work, tools, or employees.
- Installation Floater: Covers HVAC systems and materials in transit or stored at a jobsite before installation.
- Tools & Equipment Coverage: Insures your portable and high-value tools—refrigerant gauges, vacuums, pipe cutters, and more.
- Commercial Auto Insurance: Protects your work van or fleet against physical damage and liability.
- Errors & Omissions (E&O): Optional coverage for design or consultation errors that lead to financial loss for a client.
- Pollution Liability (Optional): Important if working with refrigerants or other regulated substances.
Let’s take it a step further—here are some additional coverage options that can help round out your protection.
Custom Coverage Options
- Employee Coverage: Add named employees or subcontractors to your policy.
- Business Interruption Insurance: Covers lost income due to a covered claim or equipment breakdown.
- Cyber Liability: Protects against breaches if you manage appointments, estimates, or client records digitally.
Support You Can Count On
If a claim arises, Park Insurance is here to support your business with straightforward advice and fast resolutions. We work on your behalf—not the insurer’s—so you can stay focused on the job.
Frequently Asked Questions
Do I need HVAC insurance for residential-only jobs?
Yes. Even smaller-scale work poses liability risks that insurance can cover affordably.
What if I lease my van for work?
We can cover leased, owned, or rented vehicles used for business.
Do I need pollution liability?
If you handle refrigerants or other regulated substances, it’s highly recommended.
Get protected—contact Park Insurance today for a customized HVAC contractor insurance quote.