General liability
Review coverage for certain third-party bodily injury and property damage claims arising from your operations, subject to policy terms.
California · English / Русский
HVAC insurance for the way you work in California.
Residential service calls, installations or commercial jobs? Tell us about your work. We’ll review available business insurance options and explain them in English or Russian.
(310) 299-5555- California HVAC businesses
- English · Русский
- Coverage reviewed for your operations
Office: Mon–Fri, 9 AM–5 PM Pacific. You can leave a request anytime.
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Start with one phone number
Tell us what you need. Our agency team will follow up during business hours.
What to review
Start with your work, not a one-size-fits-all policy.
The right insurance depends on the jobs you accept, where you work, your employees, subcontractors and contract requirements. We help you review general liability and other relevant coverages. Availability, limits, exclusions and price depend on the insurer, underwriting and policy; submitting a request does not bind coverage.
Completed operations
Ask how the policy addresses claims arising after work is completed. Relevant exclusions and endorsements need review.
Work vehicles
Service vans and pickups may need commercial auto coverage. Tell us who drives, how vehicles are used and where they operate.
Tools and equipment
Discuss separate coverage for tools or equipment. Theft, property in vehicles and customers’ property are not automatically covered.
Contracts and certificates
Bring the requested limits and additional-insured wording. A COI summarizes coverage; it does not create coverage or amend a policy.
Employees and subcontractors
Review workers’ compensation needs and subcontractor requirements with an agent for your circumstances.
How we work
- 01
Tell us what you do
Share the types of jobs, business location, employees and any contract requirements.
- 02
Review available options
An agent checks the information needed to approach appropriate markets. No placement is guaranteed.
- 03
Choose with clarity
Review limits, exclusions, price and documents before an insurer accepts the risk and coverage is confirmed.
What affects the price
Your quote depends on operations, revenue, payroll, claims history, requested limits and other underwriting details. We’ll explain the available options and any applicable fees before you decide.
Need insurance for a work vehicle?
Business liability and work-vehicle coverage need separate review.
Commercial auto insurance →Your questions
Can you help with residential HVAC service and installation?
Tell us the exact work you do, including residential or commercial jobs and new construction. Eligibility varies by insurer and operation; we can review available options.
Can you review insurance for my service van?
Yes. We can discuss commercial auto separately from business liability. Driver history, vehicle details, business use and operating area affect eligibility and price.
Do tools automatically come with general liability?
No. Tools, equipment and property in a vehicle can require separate coverage. Ask an agent to review the policy and any exclusions.
Can I get a certificate for a general contractor?
We can review the certificate holder, requested wording and existing policy. Additional-insured status may require an endorsement and insurer approval. Timing depends on the documents and review.
What should I have ready?
Your business activities, location, annual revenue, employee information, claims history, current insurance and any written contract requirements. Start with what you know.
Do you speak Russian?
Yes. We provide assistance in English and Russian. Use the language switcher or call (310) 299-5555.
Coverage, price and eligibility vary by insurer, underwriting and policy. A request does not bind or change insurance.
CoverToday Insurance Agency LLC · CA Lic. #0K77310 · www.CoverToday.com