Get HVAC contractor insurance in Washington. General liability, workers comp, and equipment coverage for heating and cooling businesses. Same-day coverage.
Most hvac contractors in Washington need the following types of coverage to protect their business:
Protects against third-party claims for bodily injury, property damage, and advertising injury.
From $19.99/moCovers employee injuries and illnesses that occur on the job.
Covers vehicles used for business purposes.
From $99.99/moHere's what hvac contractors need to know about insurance requirements in Washington State:
Not sure what coverage you need? Our team can help you understand Washington's requirements for your specific situation.
Get Expert GuidanceHVAC contractor insurance in Washington typically costs $69.99 to $259.99 per month for general liability coverage. Factors affecting cost include your annual revenue, number of employees, types of systems you work on, and claims history. Commercial HVAC contractors often pay more than residential-only contractors.
Washington HVAC contractors need general liability insurance (typically $1M minimum), workers compensation through L&I for employees, commercial auto for service vehicles, and a contractor bond. Many also carry inland marine coverage for tools and equipment, plus pollution liability for refrigerant work.
Standard general liability policies may have limited or excluded coverage for pollution including refrigerant releases. HVAC contractors who work with refrigerants should consider a pollution liability endorsement or separate policy to cover cleanup costs and third-party claims from refrigerant leaks.
Your general liability policy should cover electrical work if it's part of your normal HVAC operations, but you need proper licensing. In Washington, HVAC electrical work requires an appropriate electrical license from L&I. Make sure your policy covers the full scope of work you perform.
Service and repair work is typically more expensive to insure than new construction installation. Service technicians work in occupied buildings with more third-party exposure, existing systems that can fail, and potential property damage. New construction has fewer liability risks overall.
Get a free quote in minutes. Our Washington State insurance experts are here to help you find the right coverage at the best price.
