Home Services Wizard
Home Services Wizard Home Services Wizard 
Home Services Wizard Specialized coverage for Arizona's heating and cooling pros. From summer AC emergencies to winter heating repairs, we've got you covered year-round.
Full HVAC Coverage From
$125/month
Arizona's extreme heat puts unique demands on HVAC systems and contractors. With summer temperatures exceeding 115°F in Phoenix, your customers depend on you for critical cooling services. That's why you need insurance that understands the Arizona HVAC industry.
Higher service calls mean more exposure. We understand the seasonal surge.
EPA-regulated substances require pollution liability coverage.
Many Arizona units are on flat roofs, increasing fall risks.
of Arizona homes have AC systems
peak summer temperatures in Phoenix
demand during heat emergencies
licensed HVAC contractors in AZ
Comprehensive protection designed specifically for Arizona HVAC contractors and their unique risks.
Essential protection for HVAC contractors against third-party claims for property damage and bodily injury during installations and repairs.
Mandatory coverage for Arizona HVAC contractors with employees. Protects against work-related injuries common in the HVAC trade.
Protect your service vehicles, equipment trailers, and tools in transit. Essential for HVAC contractors on the go.
Covers claims arising from faulty workmanship, design errors, or system failures after installation.
Specialized coverage for expensive HVAC diagnostic tools, refrigerant recovery equipment, and specialized instruments.
Critical coverage for refrigerant spills and HVAC-specific environmental exposures required in Arizona.
From the Valley of the Sun to the mountain communities, we provide coverage wherever you work.
Yes. Arizona requires HVAC contractors to hold an ROC (Registrar of Contractors) license, which mandates general liability insurance. Additionally, workers' compensation is required if you have employees. Many commercial clients and general contractors also require proof of insurance before awarding contracts.
HVAC contractor insurance in Arizona typically costs $1,500-$5,000 annually for general liability, depending on your revenue, number of employees, and coverage limits. Workers' comp costs vary based on payroll. Get a personalized quote for exact pricing.
Yes, it's highly recommended. HVAC work involves handling refrigerants which can cause environmental damage if released. Pollution liability covers clean-up costs and third-party claims from refrigerant spills or leaks.
Most commercial clients require minimum limits of $1M per occurrence / $2M aggregate for general liability. Larger projects may require $2M/$4M or more. We can help you determine the right limits for your client base.
Your general liability 'completed operations' coverage protects against claims from work you've finished, but it doesn't cover the cost of redoing faulty work. Consider adding professional liability (E&O) for more comprehensive protection.
Don't let one accident put your business at risk. Get comprehensive HVAC contractor insurance today and focus on keeping Arizona cool.
