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Best business insurance for a HVAC business (2026)

Ranked for a new HVAC business: our score plus what matters in your trade.

What matters for a HVAC business

  • Clients and contractors will ask for your insurance certificate first. Get covered before your first job.
  1. 1NEXT Insurance 8.4 New owners wanting fast online coverage from one insurerSpanish help · phone support · 4.6/5 user rating ReviewVisit
  2. 2Insureon 7.4 Owners comparing carriers who want a licensed agent's helpSpanish help · phone support · 4.6/5 user rating ReviewVisit
  3. 3Thimble 7.3 Gig and project workers needing coverage per jobphone support · 4.5/5 user rating ReviewVisit
  4. 4Simply Business 6.7 Solo owners comparing basic liability quotes onlinephone support ReviewVisit
  5. 5Hiscox 5.8 Consultants and professionals needing professional liability coverageSpanish help · phone support ReviewVisit

What insurance costs a HVAC business

CoverageMedian per month
General liability$101
Business owner's policy (BOP)$139
Workers' compensation$182
Commercial auto$286
Tools and equipment$41

Source: Insureon, Aug 2026. Your price depends on your work, location and history.

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Ranked by our score (same formula for every tool), with a bonus for tools built for your trade. How we rate