Why HVAC is different
Your risk moves — vans, roofs, and expensive boxes
An HVAC operation is really two businesses. The service side keeps vans on the road all day — the biggest single exposure most C-20 shops carry is simply vehicles in traffic. The install side puts crews and five-figure equipment on rooftops and in mechanical rooms, with crane picks, brazing, and refrigerant handling along the way.
California noticed the injury numbers too: C-20 was among the first classifications required to carry Workers’ Comp with or without employees, back in July 2023. We quote the whole picture together — and because property managers and GCs want paper before you’re on the roof, every policy comes with instant certificates from the portal.
The HVAC coverage stack
- General Liability — $1M/$2M with completed ops for post-install claims
- Workers’ Compensation — required for C-20 since July 2023, employees or not
- Commercial Auto — the service fleet, covered for business use at contract limits
- Inland Marine — recovery machines, gauges, and units in transit or staged on site
- CSLB license bond — the $25,000 bond your C-20 license requires
- Excess & Umbrella — for commercial TI and new-construction contracts asking $2M+