HVAC Insurance
Commercial Insurance For HVAC Contractors and HVAC Companies
Ambroziak & Rao Insurance Brokers has insured many HVAC contractors in Ontario and more often in the Greater Toronto Areas since 2009.
The heating, ventilation and air-condition is a large and complex industry. There is standard residential HVAC installers as well as large commercial units being worked on roofs. For this reason, it’s important that you secure the right coverage for your specific HVAC business.
Our licensed and experienced commercial insurance brokers are ready to help you get the coverage that your business needs at the best possible rates available.
Stop by our office at 250 Dundas St W Unit 408, Mississauga ON L5B 1J2 or call 905 366 0066.
HVAC Contractor CGL Insurance
Commercial General Liability coverage with $1M, $2M and $5M liability limits tailored for your HVAC business.
Commercial Auto for Work Vehicles
Cover your commercial vehicles at very competitive rates.
Tools & Equipment
Add tools and equipment floaters to your insurance policy at very low starting rates!
Hauled Trailers
Add a trailer onto your commercial auto insurance policy.
Licensed Commercial Insurance Brokers Who Know The HVAC Industry
The commercial insurance brokers at Ambroziak & Rao have been working with HVAC contractors for many years. Whether you are a single HVAC contractor who works at residential homes, or you own a commercial HVAC company with a fleet of vehicles and employees, we will help you find the insurance coverage your business needs at a budget that works with you.
Our team also know that jobs can come quick in the HVAC industry and you may need to prove to clients that you are insured. For this reason, our team is ready to provide Certificate of Insurance (COIs) so that you can start the job.
Don’t let the risk of lawsuit prevent you from doing your best work. Ensure you have a proper CGL (commercial General Liability) policy in place for your exact business to protect you in the event of an unfortunate situation. It is vital to share all the services you offer with your broker to make sure the policy is properly insuring you.
We have some of the best rates for HVAC technicians and their commercial auto / fleet policies. Please call our licensed commercial insurance brokers at 905 366 0066.
“We Have Been Insuring HVAC Contractors Since 2009!”
What Insurance Policies Should HVAC Contractors Purchase?
The HVAC industry can get very complicated. An HVAC contractor may only work on residential units and even specialize in AC or furnaces alone. On the other hand a contractor could also specialize in higher risk commercial units that requires years of specialized training. Due to the wide spectrum of work in this industry, its vital that you provide your broker with exact details on what your HVAC business does and specializes in.
Some of the common policies many HVAC contractors of all sizes have include:
- Commercial General Liability (CGL) tailored to your HVAC business. This could range from liability limits as little as $1,000,000 if you do small residential work to $10,000,000+ for HVAC companies who service many expensive units and have several employees working for them. CGL policies protect you in the event that a lawsuit arises due to property damage or bodily injury to a third party on the job (Premises and Operations Liability) and after the work is complete (completed Operations coverage). The policy will also help cover the legal defense costs.
- Tools And Equipment Coverage. If you have tools and HVAC equipment that you would like covered, this can usually be added onto your CGL policy for a small fee. If you have larger machinery that needs coverage such as a crane, this may require a specialized policy.
- Commercial Auto Insurance For HVAC Contractors. If you run a HVAC company and have several employees that use your vehicles, you will require a commercial auto insurance policy. The common mistakes that solo HVAC contractors make is using their personal vehicles for the business. If you vehicle is insured with a personal auto insurer, and a claim occurs and the insurance company discovers it’s used for commercial purposes, they can decline the claim for material misrepresentation.
- Fleet Insurance. If your HVAC company has five or more vehicles, it will be beneficial to set up a fleet policy rather than individually rated commercial auto policy. Fleet policies are usually better priced and offer more flexibility.
- Property Insurance. If your HVAC company has a warehouse or office, you will likely require a property insurance policy.
What Questions Will Your Broker Have For Your HVAC Company?
When getting a quote for your HVAC business, our licensed brokers will have a couple questions for you. The more detail you can provide, the more we can advise on what you should insure. Below are some to be prepared to answer:
- When did you start your HVAC business?
- Please describe the exact services your ocmpany offers?
- Do you specialize in a specific service?
- Where do you primarily operate?
- How many years of prior experience do you have?
- How many employees do you have?
- What are your projected revenues for the year?
- Do you currently have a commercial auto insurance policy?
- Do you currently have insurance?
- Have you ever had any claims?
- Are you the only owner of the business?
What Types of HVAC Contractors Do You Insure?
At Ambroziak & Rao, we insure many types and sizes of HVAC contractors. Below are some examples of who we can insure:
- Residential HVAC Contractors (Solo)
- Residential HVAC Companies (multiple employees and vehicles)
- HVAC Installers
- HVAC Technicians
- Ventilation and Duct Installers
- Refrigeration Contractors
- HVAC Maintenance Companies
- Residential Heating and Cooling Specialists
- Commercial HVAC Contractors
- Commercial HVAC Technicians
If your HVAC business is unique, we would love to hear about it and get a custom quote for you!
Call 905 366 0066 or visit our Mississauga office!
Why Choose Ambroziak & Rao As Your HVAC Insurance Broker?
At Ambroziak & Rao Insurance Brokers, we understand the daily schedule of HVAC contractors. As busy people, you do not have the time to spend hours waiting on hold to get an insurance update completed or getting a COI (Certificate of Insurance). Our team will do everything possible to offer speedy and efficient service so that you can focus on what you do best.
As business owners, your budget is equally as important. We will tailor your policies to your specific needs and offer competitive pricing by shopping the commercial insurers. We then present the best quote for you.
The application process is very simple and can be done online at home. We draft up the applications, send them to your email for review, and you sign right from home or on your phone.
Call us today and get a Commercial General Liability (CGL) and commercial auto quote today. 905 366 0066. Rates can start for as little as $69.00 per month!
Director & Lead Broker
Lidia Ambroziak
T: (905) 276 9597
C: (416) 737 9647
E: lidiaa@pbnet.ca
Director & Lead Broker
Harish Rao
T: (905) 276 9495
C: (416) 420 2383
E: hrao@pbnet.ca
Customer Success
Margaret Bara
T: (905) 366 0066
F: (905) 276 5373
E: mbara@pbnet.ca
Customer Service
Anu Kaur
T: (905) 366 0066
F: (905) 276 5373
E: akaur@pbnet.ca
Customer Success
Teresa Klubinski
T: (905) 366 7530
F: (905) 276 5373
E: teresak@pbnet.ca
Frequently Asked Questions
We are more than happy to answer any and all of your HVAC insurance related questions. Speak to one of our licensed insurance brokers today!
?
Yes, Ambroziak & Rao is a RIBO licensed insurance brokerage operating under license 3428. You can search us at the RIBO Brokerage Search.
In most cases, Ambroziak & Rao Insurance Brokers do not charge the client any fees.
Our compensation is paid by the insurance companies only once a client signs up for a commercial policy with our brokerage. For more information, please visit our disclosures page.
Making changes to your insurance policy has never been easier!
Contact our team at 905 366 0066 and one of our customer success managers will happily assist you.
If you would like to call our team at Ambroziak & Rao Insurance Brokers, you can call 905 366 0066, or visit our Mississauga office at 250 Dundas St W Suite 408 Mississauga ON L5B 1J2.
Generally policies do not cover sub-contractors and we highly recommend that you verify the insurance policies of any sub-contractor that you hire.
If you plan to hire sub-contractors, please speak with our team at 905 366 00066.
HVAC Contractor Insurance Quote
T: (905) 366 0066
F: (905) 276 5373
408-250 Dundas St W Mississauga ON L5B 1J2