HVAC contractor insurance, done for you.
California requires HVAC contractors to carry workers comp even with no employees. We place it, cover the tools in your van, and fit liability to your contracts.
C-20 HVAC contractors carry valuable equipment, work in customers' homes and businesses, and must carry workers comp even with no employees. We match coverage to your work and keep a stolen-tools or job-site loss off your books.
What an HVAC contractor usually needs
Workers compensation (required)
HVAC is one of the trades California requires to carry workers comp even with no employees. We place it and keep you audit-ready.
General liability and tools
Liability that meets your contracts, plus inland marine for the equipment and tools auto and liability policies leave out.
Commercial auto and CSLB bond
Coverage for your service vehicles and the $25,000 license bond that keeps your license active.
Explore more coverage and trades
HVAC questions we hear
Do HVAC contractors need workers comp with no employees?
Yes. HVAC (C-20) is one of the trades California requires to carry workers comp regardless of employee count. We help you put it in place.
Is the equipment in my van covered by auto?
Usually not. Commercial auto covers the vehicle, not the equipment inside. Tools and equipment (inland marine) coverage fills that gap.
Can you get certificates out quickly?
On an active policy, yes, usually within a few hours, with the endorsements your job requires.
Get HVAC coverage quoted
Tell us your work and your vehicles. We will put the right coverage together.
(714) 421-4658 · info@doneforyouins.com