Insurance for California HVAC contractors

Servicing occupied buildings, lifting rooftop units, and installing new systems need a complete work description.

HVAC installation and service work

Include heating, cooling, ventilation, refrigeration, sheet-metal work, and related plumbing or electrical services.

Describe rooftop work, cranes, subcontracted lifts, and maintenance agreements.

HVAC exclusions and lifting conditions

  • Installation and completed operations.
  • Water or refrigerant damage exclusions.
  • Height and lifting responsibility.
  • Service vehicles and diagnostic tools.

HVAC installation, rooftop work, and vehicles

A rooftop unit installation can involve lifting responsibility, roof damage, and subcontracted crane work. Identify who provides the crane, controls the lift, and insures rented equipment.

Review completed operations for installed systems, applicable refrigerant or pollution exclusions, field payroll, service vehicles, and diagnostic equipment. Maintenance agreements may impose insurance requirements beyond an ordinary service call.

Information for your quote

  • Service and installation split
  • Payroll and subcontractor costs
  • Lifting arrangements
  • Current policy and loss runs

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