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Chenango Brokers, LLC
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Chenango Brokers, LLC
Contact Us
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HVAC Contractors

Hot or Cold, Freezing or Humid – HVAC Contractors Are Always in Demand


HVAC Contractors work year-round, navigating seasonal demands and complex systems that require skilled labor and proper insurance protection. As an insurance agent, you know how important it is for your HVAC clients to carry the right coverage for their operations—from equipment installation to system maintenance and emergency repair work. Chenango Brokers, LLC offers a tailored HVAC Contractors insurance program designed specifically for these types of businesses. With access to quality markets and fast turnaround times, we help you protect your clients while streamlining your quoting and binding process.

Ideal Accounts and Target Classes

This program is a strong fit for small to mid-sized HVAC contractors operating within a 300-mile radius. We’re looking for insureds that perform installation, service, or repair of: • Air Conditioning Systems
• Refrigeration Systems
• Heating Units Whether your client specializes in residential HVAC installation or provides commercial refrigeration repair, our program offers flexible solutions to support a wide range of contractor operations.

Coverage Highlights and Advantages

HVAC work carries a unique set of risks including property damage, employee injury, equipment loss, and liability exposure. We offer a broad range of coverages to help your clients stay protected: • General Liability
• Commercial Auto
• Inland Marine
• Employee Dishonesty Insurance
• Workers Compensation
• Contractor Umbrella Insurance
• Property We understand the fast-paced nature of the HVAC industry, which is why we can quote, issue, and bind coverage in under 37 minutes—helping you serve your clients quickly and efficiently.

Underwriting Notes and Minimum Premiums

Our program is open to qualified HVAC contractors meeting our underwriting guidelines. Please note:
  • Minimum premium starts at $500
  • Operations must be within a 300-mile radius
  • All contractors must be licensed
We support a variety of installation and service operations, and our team is ready to assist with reviewing eligibility for individual accounts. We also recommend that insureds use distinct HVAC unit makes/models when applicable and have in-person estimates to demonstrate professionalism and transparency.

Territories and Availability

This program is available in the following states: CA, CT, FL, GA, IL, NJ, NY, OH, PA, RI, TX, VA Admitted coverage is available in select states; please contact us for details on specific jurisdictions.

Why Work With Chenango Brokers, LLC?

As a wholesale broker with deep experience in contractor programs, Chenango Brokers, LLC provides insurance agents with access to competitive markets and responsive service. Our HVAC Contractors program is built to help you place quality accounts quickly—with the coverage and support your clients need to stay safe and successful. If you’re working with HVAC contractors who install or service heating, cooling, or refrigeration systems, we can help you secure the right protection—fast.

Frequently Asked Questions

What types of HVAC contractors are eligible for this program?

We target licensed contractors who install, service, or repair air conditioning, heating, or refrigeration systems within a 300-mile service radius.

What is the minimum premium for this program?

The minimum premium starts at $500, depending on the size and scope of the contractor's operations.

In which states is this program available?

This HVAC Contractors program is available in CA, CT, FL, GA, IL, NJ, NY, OH, PA, RI, TX, and VA.

Can you quote and bind coverage quickly?

Yes, we can quote, issue, and bind most policies in under 37 minutes, helping you serve clients efficiently.

Do you offer admitted coverage?

Admitted coverage is available in some states. Please contact us to verify availability in your client’s location.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

65 West Front Street
Hancock, NY 13783
800-403-3738
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Chenango Brokers, LLC has other insurance programs like BOP.