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Harper is a commercial insurance brokerage that specializes in two things:
Getting better rates on complete packages for businesses of all sizes.
Covering the complex cases that make other brokers run away.
HVAC Trade Expertise
Harper understands the unique hazards HVAC professionals face, from refrigerant exposure and electrical accidents to system failures and carbon monoxide risks, providing specialized coverage designed for heating, cooling, and ventilation operations.
Comprehensive System Protection
Harper offers complete coverage including general liability, professional liability, commercial property, pollution liability for refrigerants, workers' compensation, and equipment breakdown insurance - protecting all aspects of HVAC contracting operations.
Service-Specific Understanding
Harper recognizes that HVAC professionals serve diverse markets from residential installations and commercial systems to industrial HVAC and emergency repair services, tailoring coverage to match specific system risks and client needs.
Competitive Trade Rates
Harper provides cost-effective protection with basic general liability starting at $36 monthly and comprehensive HVAC coverage typically ranging from $2,000-$6,200 annually based on business size and service specialties.
Equipment Protection Priority
Harper focuses on protecting expensive HVAC equipment and tools through specialized coverage, understanding that diagnostic equipment, refrigerant recovery units, and installation tools represent significant investments critical to operations.
Refrigerant Safety Emphasis
Harper provides essential pollution liability coverage for refrigerant handling, understanding that EPA violations, environmental cleanup, and toxic exposure incidents can result in substantial fines and health risks.
Professional Installation Shield
Harper helps HVAC contractors "demonstrate expertise and reliability to clients" while showing they understand system risks and won't leave customers "financially responsible if equipment failures or installation errors occur."
Emergency Response Assurance
Harper recognizes that HVAC work often involves "responding to urgent comfort and safety issues" and provides coverage that protects when emergency conditions and time pressure create additional risks.
Peace of Mind Delivery
Harper helps HVAC professionals "focus on system performance and customer comfort" by providing comprehensive protection that allows them to work confidently without worrying about the financial consequences of accidents or system failures.
HVAC contracting involves complex mechanical systems, hazardous refrigerants, and critical comfort and safety equipment that clients depend on daily. From refrigerant leaks and electrical hazards to system failures and carbon monoxide exposure, HVAC professionals face significant liability exposures that could threaten their business and personal assets. Having the right HVAC insurance protection ensures your contracting business is prepared to handle claims and continue operations when unexpected situations arise.
HVAC contractors encounter numerous potential hazards including refrigerant exposure that can cause frostbite, suffocation, and toxic poisoning, electrical shock from high-voltage equipment, burns from hot pipes and components, and falls from ladders while servicing rooftop units. The complexity of modern HVAC systems creates multiple opportunities for installation errors and equipment failures.
System-related risks include carbon monoxide leaks from faulty gas installations, fires from electrical malfunctions, water damage from condensate line failures, and property damage from refrigerant line ruptures. Installation errors such as improper sizing, inadequate ventilation, faulty gas connections, and electrical wiring mistakes can result in serious safety hazards and expensive system replacements.
Environmental risks include refrigerant releases that violate EPA regulations, contamination from asbestos in older systems, and indoor air quality problems from improper installations. Equipment failures including compressor burnouts, heat exchanger cracks, and control system malfunctions can cause substantial client losses and warranty claims. These are just several specific instances as to why it is important to have comprehensive HVAC insurance coverage in place to shield your business, equipment, technicians, clients, and regulatory compliance.
Virtually every type of heating, ventilation, and air conditioning operation requires specialized insurance protection, including:
While property owners may have equipment warranties and building insurance, your primary obligation is to safeguard system performance, client safety, and environmental compliance. This is where comprehensive HVAC insurance becomes essential—it can be critical to your business surviving major system failures, environmental violations, or safety-related incidents.
General liability coverage provides essential protection every HVAC contracting business requires. In summary, this is what general liability coverage provides:
Bodily Injury Claims: Covers medical expenses when clients, occupants, or other workers are injured during HVAC operations, including refrigerant exposure incidents, electrical shock accidents, or carbon monoxide poisoning from faulty installations.
Property Damage Claims: Protects against damage to client property including water damage from condensate leaks, fire damage from electrical malfunctions, structural damage from improper installations, and damage to furnishings from refrigerant releases.
Products and Completed Operations: Covers claims arising from your HVAC work after project completion, including system failures, inadequate heating or cooling performance, energy efficiency problems, or safety hazards that develop over time.
System Performance Coverage: Essential protection for claims related to HVAC system inadequacy, including insufficient capacity, poor air quality, humidity problems, or failure to meet energy efficiency specifications.
Comprehensive HVAC protection—beyond general liability coverage—can include:
Professional Liability Insurance: Protects against claims of professional errors including improper system design, incorrect load calculations, inadequate ventilation design, or failure to meet building codes and energy standards.
Pollution Liability Insurance: Critical coverage for refrigerant handling, including EPA violation fines, environmental cleanup costs, and third-party damages from refrigerant releases or improper disposal.
Commercial Property Insurance: Covers your shop, warehouse, stored HVAC equipment and parts, and business contents from damage caused by fire, theft, vandalism, and covered natural disasters.
Equipment Breakdown Insurance: Specialized coverage for business equipment failures including diagnostic tools, refrigerant recovery equipment, and shop machinery that could halt operations.
Inland Marine/Tool Coverage: Protects expensive HVAC tools and diagnostic equipment both on and off-site, covering theft, damage, and loss of meters, gauges, recovery units, and installation tools.
Commercial Auto Insurance: Covers service vehicles and trucks used to transport equipment, parts, and technicians, including specialized HVAC service vehicles with tool storage and refrigerant handling equipment.
HVAC operations involve significant health and safety risks making workers' compensation insurance essential and legally required in most states. This coverage protects technicians from refrigerant exposure injuries, electrical shock, burns from hot components, falls from rooftops and ladders, and respiratory issues from dust and chemical exposure.
HVAC technicians face unique occupational hazards including toxic refrigerant exposure that can cause immediate injury and long-term health effects, electrical hazards from high-voltage equipment, extreme temperature exposure in attics and mechanical rooms, and repetitive stress injuries from heavy equipment handling. Workers' compensation covers medical expenses, wage replacement, and rehabilitation costs while protecting your business from employee injury lawsuits.
HVAC contractors face significant environmental liability due to refrigerant handling requirements under EPA regulations. Refrigerant releases can result in substantial fines, cleanup costs, and third-party liability claims. Many refrigerants are greenhouse gases with high global warming potential, making proper handling and disposal critical.
Pollution liability insurance specifically covers refrigerant-related incidents including accidental releases during service, improper disposal violations, contamination of soil and groundwater, and regulatory fines for EPA compliance violations that can reach tens of thousands of dollars per incident.
Basic general liability protection for HVAC contractors with limits up to $1 million can start as low as $36 monthly for smaller operations. However, comprehensive HVAC coverage typically ranges from $2,000 to $6,200 annually depending on business size and services offered. Additional specialized coverages will affect the total cost. Variables that influence pricing include:
When you're providing professional HVAC services, you want to project expertise and reliability to clients while protecting yourself when system failures or accidents occur. That's why comprehensive HVAC insurance protection is essential for any serious heating and cooling business.
Carrying HVAC insurance demonstrates professionalism to clients and shows that you understand the complex risks of HVAC work and won't leave customers financially exposed if system failures, safety incidents, or environmental violations occur. At the same time, you're protecting your business assets, expensive diagnostic equipment, and personal wealth from potentially devastating liability claims.
While you can implement proper installation procedures and safety protocols to prevent problems, sometimes issues arise despite professional practices. Equipment malfunctions, manufacturing defects, or environmental factors can create situations that require significant financial resources to address. Comprehensive HVAC coverage shields you and your assets when you need to replace failed systems, address environmental cleanup, or defend against professional liability claims.
Let Harper help you protect your HVAC business and maintain your peace of mind. Our goal is to help you find the best coverage for your specific heating, cooling, and ventilation services as efficiently as possible. Kindly complete the form at the top of the page, and one of our agents will contact you shortly.