General liability, commercial auto and tools/equipment coverage for HVAC techs and contractors — completed-operations protection and same-day certificates for GCs.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up.
Coterie is one of 40+ carriers we work with. When we run your business past several of them at once we can compare what each will actually offer — and that often turns up a better fit, especially if you’ve had a prior claim, run more than one location, or need endorsements specific to your trade. One call, no obligation, and we handle the certificates afterwards.
Our partner Coterie writes general liability, professional liability and Business Owners Policies for most small business classes in all 50 states, on A-rated admitted paper. Answer a few questions, see a bindable price, and download your certificate yourself. Built for businesses under 50 employees and under $10M revenue at a single location — contractors up to 15 employees. Some classes and loss histories aren’t eligible.
Coterie is one of several carriers CoverToday works with, and we may earn a commission on policies placed through this link. Buying online means you skip our review — call us first if you want us to compare it against the other carriers we represent. Independent broker — coverage, eligibility, price and availability vary by carrier and policy and may not be available to everyone. (310) 299-5555 · covertoday.com/quote
GCs won’t let you on site without a $1M general liability policy and a certificate naming them as additional insured. We place GL with completed-operations (for work that fails later), commercial auto for your service trucks, and tools/equipment coverage — then issue COIs the same day so you can take the job.
Injuries and property damage during installs and service.
Claims from work after you’ve left the site — vital for HVAC installs.
Your service trucks and drivers.
Inland-marine coverage for your gear against theft and damage.
Same-day certificates naming the general contractor.
HVAC general liability typically costs more than low-risk trades because of the work’s exposure — often roughly $1,000–$3,000+ per year depending on revenue, payroll, residential vs commercial work, and whether you add commercial auto and tools coverage. We bundle GL, auto and equipment and shop contractor markets to keep the total competitive while meeting GC requirements.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
If you bid commercial or sub work, general contractors require a $1M general liability policy with completed-operations and themselves named as additional insured before you start. You also need commercial auto for service trucks, and tools/equipment coverage protects the gear your business depends on.
Residential vs commercial, payroll, trucks, and GC requirements.
GL with completed-operations, commercial auto, and tools coverage.
Additional insured added for the GC and issued fast.
General liability often runs roughly $1,000–$3,000+ per year depending on revenue, payroll and whether you add commercial auto and tools coverage. We shop carriers for your best total.
It covers claims from work after you’ve left the site — essential for HVAC installs. We include it on your GL.
Typically general liability with completed-operations, commercial auto for service trucks, and tools/equipment coverage.
Yes — usually same-day, which is what most GCs require before you start.
Most GCs and many jurisdictions require proof of general liability (and workers’ comp if you have staff) to bid or pull permits.
Yes — commercial and new-construction work generally carries higher exposure and cost than residential service.
In California, yes — since 2023, C-20 HVAC contractors must carry workers’ compensation (or approved self-insurance) even with no employees (SB 216). We can write a minimum-premium policy that satisfies the CSLB.
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