HVAC Contractors
Coverage Built for HVAC Contractors
HVAC work comes with real risk. From rooftop installations and confined spaces to refrigerants, electrical components, and emergency repairs, even small issues can lead to costly claims. Whether you are installing new systems, handling maintenance contracts, or responding to after hours service calls, HVAC contractors need insurance designed for the real conditions they face every day.
Common Risks HVAC Contractors Face
HVAC contractors work in demanding environments where safety, equipment, and property risks overlap. From installation to service and repair, common risks include:
- Injuries related to heavy equipment, ladders, and rooftop work
- Refrigerant leaks or exposure issues
- Electrical hazards during system installation or repair
- Property damage caused by system failures or improper installation
- Claims tied to indoor air quality, ventilation, or temperature control issues
- Job site incidents involving other trades or building occupants
Ready to Protect Your Business?
Tell us a little about your HVAC operation and we will help put the right coverage in place to protect your business and keep your projects moving.
Request a quote
Get a Quote for Your Electrical Business
As HVAC contractors take on larger projects and tighter timelines, insurance needs can change. Having the right coverage in place helps protect your business, meet job requirements, and keep work moving when issues arise.
Essential Coverage Options
General Liability Insurance
Protects against third-party bodily injury and property damage claims.
Workers’ Compensation
Covers medical costs and lost wages if an employee is injured on the job.
Commercial Auto Insurance
Coverage for vans, trucks, and vehicles used for work.
Inland Marine / Tools & Equipment
Protects tools and equipment on job sites or in transit.
Umbrella Insurance
Adds an extra layer of protection for larger or higher-risk projects.
Essential Coverage Options
General Liability Insurance
Protects against third-party bodily injury and property damage claims.
Workers’ Compensation
Covers medical costs and lost wages if an employee is injured on the job.
Commercial Auto Insurance
Coverage for vans, trucks, and vehicles used for work.
Inland Marine / Tools & Equipment
Protects tools and equipment on job sites or in transit.
Umbrella Insurance
Adds an extra layer of protection for larger or higher-risk projects.
Why We're Different?
FinPoint Insurance Group works with HVAC contractors across residential, commercial, and construction projects. We understand the risks HVAC businesses face, from installation and service work to tight schedules and job site requirements. Our focus is on helping protect your business, your crew, and your ability to keep projects moving.
Where Protection
is Our Point
Wilmington Office
1613 Military Cutoff Road Suite 200
Wilmington, NC 28403
info@finpointinsurance.com
Phone: (910) 799-6161
Fax: (910) 799-3033
Leland Office
1018 Grandiflora Dr, Suite A
Leland, NC 28451
info@finpointinsurance.com
Phone: (910) 383-0303
Fax: (910) 383-0304
Southport Office
4911 Old Long Beach Rd SE, Suite 2
Southport, NC 28461
info@finpointinsurance.com
Phone: (910) 454-9800
Fax: (910) 454-8080
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