Insurance for Washington HVAC contractors.
HVAC work mixes electrical, refrigerant, gas and sheet metal risks in one trade. We help Washington HVAC and heat pump contractors carry the coverage L&I and their clients require, and match them with carriers that understand the work.
- Carriers that write HVAC work
- General liability and bonds together
- Equipment on the van and units in transit
What HVAC contractor insurance covers, in plain English
Coverage, limits and exclusions vary by carrier and policy. Your policy documents are what decide a claim, and we walk you through them before you buy.
Licenses for HVAC work
HVAC contractors register with L&I. Wiring equipment usually needs an L&I specialty electrical certificate for HVAC/refrigeration and an electrical contractor license for the business. Handling refrigerant needs EPA Section 608 certification.
What L&I requires
General liability of at least $200,000 public liability and $50,000 property damage, or a $250,000 combined single limit, plus a contractor bond: $15,000 for specialty contractors or $30,000 for general contractors.
Fire, water and carbon monoxide
A faulty install can cause a fire, condensate water damage or carbon monoxide exposure. Products and completed operations coverage responds to claims after the job is done.
Units before installation
A heat pump or furnace waiting on site, or riding on your truck, isn't covered by GL. An installation floater covers it until the job is accepted.
Tools, gauges and recovery machines
Tools and equipment need a contractor's equipment policy. GL and auto don't cover them.
Workers' comp and stop-gap
Workers' comp for employees comes from L&I. Many contracts also ask for employer's liability, which in Washington is stop-gap coverage.
Is this you?
- HVAC and heat pump installers
- Service and maintenance technicians
- Refrigeration contractors
- Ductwork and sheet metal contractors
Why Rhino
- Carriers that write HVAC work
- General liability and bonds together
- Equipment on the van and units in transit
- Help in English, Russian and Ukrainian
Have this ready
- L&I registration and electrical license numbers
- UBI and L&I registration or license number
- Annual revenue, payroll and subcontractor costs
- Any client or general contractor insurance requirements
Three steps, one agent
- 1
Tell us what you need
Use the form, call or text. It takes a couple of minutes.
- 2
We shop several carriers
You see real prices side by side, not one company's offer.
- 3
You're covered
Pick a plan and we handle the paperwork, ID cards and certificates.
HVAC questions
Do I need an electrical license for HVAC work?
Usually, if you do the electrical connections. L&I offers a specialty electrical certificate for HVAC/refrigeration, and the business needs an electrical contractor license. L&I can confirm what applies.
Is a new heat pump covered before I install it?
Not under general liability. An installation floater, part of a tools and equipment policy, can cover it on the truck and on site.
Are carbon monoxide claims covered?
Often yes under general liability, but some policies have pollution exclusions that carriers apply to fumes. We check the wording.
Do you insure heat pump installers?
Yes. Heat pump work is growing in Washington, and we work with carriers that write it.
Ready when you are.
Talk to a licensed agent at (800) 700-9181, Mon–Fri 9am–6pm PT.