Independent agency in American Fork, Utah · Since 2005
HVAC Contractor Insurance in Utah: Coverage That Fits the Work You Actually Do
Furnace installs, AC change-outs, service calls, new construction. We build insurance for Utah heating and cooling contractors that holds up when a GC, homeowner, or inspector asks for proof.
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Talk to a licensed agent, not a call center.
Coverage built for HVAC contractors
General liability
Third-party injury and property damage claims, including damage after the job is finished (completed operations).
Contractors pollution liability
Refrigerant, mold, and other pollution claims that a standard general liability policy usually excludes.
Workers' compensation
Required in Utah for businesses with employees, and needed for your DOPL contractor license.
Commercial auto
Service vans and trucks, plus hired and non-owned auto for employees who drive their own cars on the job.
Tools & equipment floater
Gauges, recovery machines, and tools stolen from a van or damaged at a job site.
Installation floater
Units and materials while they're in transit or installed but not yet accepted by the owner.
Gaps we check on every review
Having a policy and being properly covered are two different things. When we review insurance for HVAC contractors, these are the claims we look for first:
- A refrigerant or carbon monoxide claim that runs into the pollution exclusion
- Damage to a furnace you installed being excluded as "your work"
- Equipment stolen from a job site before the owner signs off
- Design or sizing advice that triggers a professional liability claim
Read more: Heating Season Is Here: 5 Insurance Gaps HVAC Contractors Often Overlook
How it works
Call us or request a call back
Tell us what kind of work you do, roughly how big your crew is, and when your current policy renews.
We shop it for you
As an independent agency we compare options from several carriers, so you don't have to fill out the same application again and again.
Review it with a real agent
We go through what's covered and what isn't, then handle certificates and additional insured requests for your jobs.
Have this handy for a faster quote
- Type of work (residential, commercial, new construction, service)
- Annual revenue and payroll
- Number of employees and any subcontractors you use
- Vehicles and the value of your tools and equipment
- Current policy and its renewal date, if you have one
Don’t have it all? Call anyway.
Frequently asked questions
Does general liability cover a refrigerant leak?
Often not. Most general liability policies have a pollution exclusion, and refrigerant can fall under it. Contractors pollution liability is built to fill that gap. Availability and terms vary by carrier.
What insurance do I need for my Utah contractor license?
Utah's Division of Professional Licensing (DOPL) requires active contractor licenses to keep general liability insurance in force, and workers' compensation if you have employees. Owners without employees may qualify for a waiver. We can help you show the proof DOPL needs.
Can you issue certificates for my general contractor or property manager?
Yes. Once you're insured with us, we handle certificates of insurance and additional insured requests, as allowed by your policy.
I already have insurance. Can you still look at it?
Absolutely. Many contractors call us for a second look before renewal. We'll review what you have and tell you plainly if we see gaps.
Get your HVAC contractor insurance quote
The fastest way is a quick call: (801) 407-8360. Prefer we call you? Leave your name and number below and a licensed agent will call you back.
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Insure Right Insurance Agency, LLC · 831 E 340 S, Suite 200, American Fork, UT 84003 · (801) 407-8360 · [email protected]
This page is for general information and is not legal or insurance advice. Coverage availability and terms vary by carrier and state, and all coverage is subject to underwriting and policy terms.
