HVAC Contractor Insurance
Annual commercial package for HVAC contractors — GL, workers comp, commercial auto, inland marine, umbrella. Certificates within 24 hours.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover
HVAC contractors live on service trucks, climb ladders to rooftops, and handle EPA-regulated refrigerants every day. The exposure profile reflects this: ladder falls and roof falls are the dominant workers comp claims; refrigerant releases and improper disposal trigger pollution and EPA exposure; and the service-vehicle fleet drives commercial auto premium. We schedule by revenue, residential vs commercial mix, and refrigerant types handled during underwriting.
HVAC Contractor-specific exposures
- Ladder and roof fall injuries during installation and service
- Refrigerant releases (EPA-regulated; pollution liability typically required)
- Electrical burn and shock during installation and service
- Property damage from leaking refrigerant lines or improper installation
- Service-vehicle accidents and fleet exposure
Coverage components for HVAC contractors
- General liability with refrigerant pollution coverage
- Workers compensation required in Florida for construction at 1+ employees
- Commercial auto on a fleet of service trucks (often the largest line item)
- Inland marine on tools, recovery equipment, and gauge sets
- Pollution liability for refrigerant handling and disposal
Florida HVAC contractor licensing notes
Florida HVAC contractors are licensed through DBPR. Certified Air Conditioning Contractor (CAC) is statewide; Registered Air Conditioning Contractor is county-specific. EPA Section 608 certification is required to handle refrigerants. We typically quote at $1M / $2M GL with $1M umbrella for commercial work.
Need a contractor certificate for a job site?
Subcontractor considerations
If you hire subcontractors, your policy is the backstop when their work causes a claim. Carriers want subcontractor agreements requiring their own GL and workers compensation, certificates from each subcontractor on file annually, and indemnity language in the subcontract that flows damages to the responsible party. Document this process during underwriting to keep your premium tight.
What affects your premium
- Annual revenue and payroll
- Largest project value handled
- Residential vs commercial vs new-construction percentage mix
- Use of subcontractors (and their coverage status)
- Claims history
- Years in business and license currency
- State of operation
- Tool and equipment value (drives inland marine)