HVAC Contractor Insurance
Sutherland Insurance places HVAC contractor insurance for Ontario heating, ventilation and air-conditioning trades, covering general liability, completed operations, tools and equipment, commercial auto and professional liability. It is an independent brokerage that has brokered insurance in Guelph, Ontario since 1870 and is licensed by the Registered Insurance Brokers of Ontario.
- Line
- Commercial insurance
- Area served
- All of Ontario
- Claims support
- In-house claims representative available to every client on a claim
Who needs HVAC contractor insurance?
HVAC contractor insurance applies to sole operators, small crews and large mechanical firms running multiple teams, and to specialist installers working on heat pumps, refrigeration, ductwork and building automation.
Completed operations is the cover that distinguishes this trade. An HVAC installation keeps running long after the invoice is settled, and a claim for water damage from a condensate line or for carbon monoxide from a flue is made against work finished months earlier. General contractors and property managers also require proof of liability cover before a subcontractor is allowed on site, so the certificate is often a condition of winning the work.
What can an Ontario HVAC contractor insurance policy cover?
What a policy can cover
- Commercial general liability: third-party bodily injury and property damage arising from operations
- Completed operations: claims arising after a job is finished and handed over
- Tools and equipment: theft of or damage to portable tools and equipment away from the premises
- Commercial auto: vehicles registered to the business and driven for business purposes
- Professional liability: allegations of negligence in professional advice or services
- Inland marine: specialist equipment in transit or at a temporary site
- Hired and non-owned auto: liability arising from vehicles the business does not own but directs
Commonly excluded under standard Ontario HVAC contractor insurance wordings
- The cost of correcting faulty workmanship itself, as distinct from resulting damage
- Workplace injury to the business’s own employees, which falls to WSIB coverage in Ontario
- Wear, tear and gradual deterioration
- Liquidated damages or penalties accepted under contract
- Gradual pollution and contamination
Exclusions vary by insurer and by policy form; the issued policy governs.
Frequently asked questions
What is completed operations cover?
Completed operations responds to third-party injury or property damage arising from work after it has been finished and handed over. For an HVAC contractor that is the section engaged by a failure in an installation the crew left the site weeks or months earlier.
Are tools covered away from the shop?
Tools and equipment cover is written to follow the tools rather than to insure them at one address, so it responds at a job site and in a locked vehicle. Overall limits, per-item caps for higher-value equipment, and any condition on leaving tools in a vehicle overnight are set in the policy wording.
Does a personal auto policy cover a work van?
A vehicle registered to a business and used for business purposes is rated commercially in Ontario. A personal auto policy is written for personal use, and a claim arising from business use of a vehicle rated as personal is exposed to denial.
Get an HVAC contractor insurance quote
A licensed Sutherland Insurance broker compares the available markets on every quote request.
Get an HVAC contractor insurance quote Call 519-822-0160
A real person answers, Monday to Friday, 8:30 a.m. to 5:00 p.m.