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Refrigerant, rooftops, and install callbacks

HVAC insurance,
in plain English

Install crews and service techs — refrigerant, rooftops, and electrical all in one trade. Your policy should keep up.

Tell us about your work See what's covered

Two minutes, and a licensed agent follows up once we can place coverage in your state.

How we get you covered

The things that actually go wrong on hvac jobs, and the coverage that answers for each one.

A condensate line lets go over a ceiling
General liability — completed operations
You drop a condenser off a roof curb
General liability
Recovery machine stolen from the van
Tools & equipment
A tech is burned brazing a line set
Workers' comp

Covered vs. not covered — before you pay

General liability — HVACExclusions up front
Covered
  • Property damage from installs and service
  • Refrigerant and water damage you cause
  • Failures after the job is signed off
Not covered — read this first
  • EPA fines for venting refrigerant
  • Your own gauges and recovery gear (tools & equipment)
  • Crew injuries (workers' comp)

The coverages hvac pros usually stack

Commercial General Liability (CGL), ISO form CG 00 01
General liability — If your work damages someone's stuff or hurts someone who isn't your employee, this pays. It's the policy every client COI request is really asking about.
Inland marine / contractor's equipment floater
Tools & equipment — Covers your own gear — stolen from the van, dropped off a ladder, fried on site. General liability never pays for your own stuff; this does.
Workers' comp / statutory coverage, NCCI class-rated
Workers' compensation — Pays medical bills and lost wages when your employee is hurt working. Required by law in most states once you hire — construction rules are strictest.
Business auto coverage, symbol 1 ('any auto') the broadest
Commercial auto — Your personal auto policy can deny claims that happen while working. If the van carries ladders and invoices, it needs a commercial policy.

What drives your price

We don't publish a "from $X a month" number, because for hvac pros it would be close to meaningless — the same work prices very differently depending on classification, payroll, claims history, and state. Get a real quote instead; it takes about two minutes and no one calls you.

Tell us about your work

State rules for hvac pros

Licensing and minimum limits differ by state. Pick yours:

Florida

Why hvac pros switch to Flannable

Exclusions before checkout

Others reveal the fine print at checkout — or add it after you buy. Ours is on this page, above.

Renewals get re-shopped

If your renewal jumps, we re-shop it across carriers automatically and show you the math — we're an independent agency, not a captive one.

COIs that stay alive

Self-serve certificates, and renewal certs re-sent to every holder before they expire — so an expired COI never costs you a job. That's what we're building first.

Frequently asked questions

Is HVAC insurance required for an EPA 608 tech?

EPA certification and insurance are separate: 608 lets you handle refrigerant; liability insurance is what licensing boards, GCs, and property managers require.

Does insurance cover refrigerant loss?

Damage refrigerant causes to a client's property — yes. The lost refrigerant itself and EPA penalties — no.

Service-only vs install pricing?

Service-only shops sit in a lower class. If you also install, say so — misclassified work is the top reason HVAC claims get denied.

Coverage for hvac pros, without the decoder ring → Tell us about your work