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12+ A-rated carriers, one advocate for your shop
As an independent agency, we place HVAC contractor coverage with 12+ A-rated carriers instead of one. Below are several of the insurers on our roster and the kinds of coverage they're known for.
Carriers we work with include
Chubb
A large commercial insurer with contractor package, umbrella and specialty options, often a fit for established shops.
Travelers
Writes contractor general liability, commercial auto, workers' comp and inland marine for small and mid-size trade businesses.
The Hartford
Known for small-business packages and workers' comp, including business owner's policies for service contractors.
Liberty Mutual
Offers commercial auto, workers' comp and general liability for contractors across much of our footprint.
Nationwide
Writes business owner's policies, commercial auto and general liability for small contractors.
Progressive
A major commercial auto insurer for work vans and trucks, plus small-business liability options.
Cincinnati Insurance
A regional-to-national commercial insurer with contractor packages and umbrella coverage.
Auto-Owners
Writes commercial packages and auto for contractors in many of the states where we're licensed.
AmTrust
Focused on small-business workers' comp and package policies for trades.
Western Reserve Group
An Ohio-based insurer writing business coverage in Ohio and Indiana.
Why the carrier mix matters for HVAC
Carriers don't all want the same HVAC accounts. One may like residential service shops but avoid heavy commercial install work; another may write commercial mechanical contractors but cap how much residential work you can do. Some carriers write only in certain states. Having a dozen-plus options lets us match your actual work to carriers that want it, instead of forcing your shop into one insurer's box.
Not every carrier writes in every state, offers every coverage or will quote every risk. Availability depends on your state, your operations and underwriting.
How we describe carrier strength
Each carrier we work with is rated A- (Excellent) or better by AM Best, the credit rating agency that grades insurers' financial strength. You can look up any insurer's current rating at ambest.com. Ratings can change, so check before you buy. Get a quote for your HVAC business →
Ready to see what you'd pay?
Independent agents, 12+ A-rated carriers, and a licensed agent back to you within one business day.