Name: Mike Lively Agency LLC
Address: 2607 North Midland Drive, Midland, TX, 79707
Telephone: 432-300-6219

May 27, 2025

HVAC Contractor Insurance: Keep Your Business Protected Year-Round

Why HVAC Insurance Matters

As an HVAC contractor, you're no stranger to hard work, tight spaces, and the occasional unexpected challenge. Whether you're installing a new system or performing emergency repairs in the middle of summer, your work is essential—and it's not without risk. HVAC contractor insurance is here to protect the business you've built from the ground up.

Comprehensive Coverage for HVAC Pros

When you're working with electrical systems, gas lines, and heavy machinery, the potential for accidents is high. General liability insurance can cover everything from property damage to bodily injury, while workers’ compensation helps protect your team when injuries happen on the job.

What’s at Stake Without Protection

One unexpected lawsuit or accident could cost you thousands—or even your entire business. HVAC insurance provides peace of mind so you can focus on what you do best: keeping customers comfortable year-round.

Coverages Every HVAC Contractor Should Consider

Your business is unique, but most HVAC professionals need a combination of the following policies:

General Liability Insurance: Covers third-party claims for bodily injury or property damage. This is essential if a customer trips over your tools or you accidentally damage a client's property.

Workers’ Compensation: Mandatory in most states if you have employees. It covers medical expenses and lost wages due to job-related injuries.

Commercial Auto Insurance: If you or your team uses vehicles for business, this coverage protects against accidents, theft, and damage.

Inland Marine Insurance: Protects your tools and equipment while they’re being transported or stored off-site.

How Much Does HVAC Contractor Insurance Cost?

We get it—insurance is another expense on top of tools, payroll, and licensing. But it’s also one of the smartest investments you can make. On average, HVAC insurance costs between $700 and $2,500 per year, depending on your business size, location, and coverage needs.

Coverage Type	Estimated Annual Cost
General Liability	$400 - $1,000
Workers’ Compensation	$500 - $2,000 (varies by payroll size)
Commercial Auto	$800 - $1,500
Inland Marine	$150 - $500

Your Peace of Mind is Priceless

When you’re on the job, the last thing you want to worry about is whether you’re covered. At Mike Lively Agency LLC, we make it easy to protect your HVAC business with tailored insurance packages designed for contractors just like you.

Our local experts are just a phone call away and understand the risks that come with working in the field. We help you navigate your options, explain each policy in plain language, and ensure you're getting the best value without compromising coverage.

Real World, Real Risks

Let’s say you're installing a rooftop unit and a gust of wind knocks a wrench off the edge. It hits a parked car, leaving a deep dent. Without HVAC contractor liability insurance, you’re personally on the hook for the repairs. Or imagine one of your employees trips on uneven pavement while carrying heavy equipment—workers’ comp steps in to cover the injury so your team can get back on their feet.

These aren’t hypotheticals. They’re real situations we see every day, and the right insurance policy can make all the difference.

Let’s Get You Covered

Whether you're a solo operator or running a crew of 20, we’re here to make the process smooth, affordable, and stress-free. Mike Lively Agency LLC understands the HVAC industry and offers a fast, easy way to get the contractor insurance coverage you need—backed by knowledgeable agents who have your back.

Ready to protect your business with confidence? Click below to request your custom quote today or give us a call at 432-300-6219.