You Know Your Business, We Know How to Protect It.

HVAC Contractors,

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Coverage Plans for ALL YOUR NEEDS




General Liability (GL)

Essential Coverages to meet your client demands.


  • Coverage against claims from bodily injury, property damage and personal injury

  • Coverage for products/completed operations

Standard from 


General Liability (GL) + Professional Liability (PL)

Protect your business against service errors.

All Basic plan benefits and:

  • Professional negligence

  • Retroactive claims (previous contracted work)

  • Subcontractor errors




GL + PL + Workers Compensation*

Get protected against employment-related issues.

All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:

    • Ongoing medical care (such as rehab)

    • Missed wages during recovery

*plus Workers Compensation


Why Choose Us?

Professional Guidance

Our Insurance Specialists are here to help you find the right coverage to protect your business. We'll be here as your business grows so you'll always be protected.


Get FREE Online Quotes in minutes with no pressure to buy. Compare multiple carriers and SAVE MONEY with the best PRICE and PROTECTION for your business.

Manage Your Policies 24/7

Access your smart digital wallet anytime with all of your policies and rates. Provide Certificates of Insurance anytime right from your phone. PLUS the ability to update additional insured and send info to customers as needed.

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"The team at Old Oak took the time to find the right coverage for my business and answered all of my questions. I feel very confident that my business is protected and in good hands."

Todd Black

Find the Right Coverage When It's Convenient For YOU With Our Online Platform

We utilize state of the art technology to help contractors like you understand and buy customized coverage, get significant savings and conveniently manage your insurance, in a matter of minutes, all through our online platform.

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Frequently Asked Questions

Why do HVAC Contractors need insurance?

As HVAC contractor, your business deals with your client's heating and air conditioning need - some immediate needs and others simply maintenance. Keeping your customers' homes free of certain dangers are a risk of a liability upon your HVAC business. Your insurance will make sure that these risks are mitigated. It makes sure that when a covered risk happens, the insurance will pay for these first instead of coughing the payments out of your business and personal assets.

What risks do HVAC Contractors face?

Below are some of the common risks HVAC Contractors can face:

  • A wrong diagnosis of the air conditioner causes it to break down.

  • Your employee got accidentally electrocuted when one of his/her tools fell down the power line. You'll be responsible for paying for the employee's medical fees.

  • One of your HVAC contractors failed to perform the contracted task.

How much does HVAC Contractor Insurance cost?

The cost of insurance for HVAC contractors depends on the size of your business, the number of employees you have, the coverage required and other possible factors. Without taking these into account, below are the average cost of insurance policies for your business:

  • General Liability insurance costs $500 in annual premiums.

  • Professional Liability insurance costs $1000 in annual premiums.

Get a free, no-obligation quote and know your HVAC insurance costs.