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Chenango Brokers, LLC
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Chenango Brokers, LLC
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HVAC Contractors

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


HVAC Contractors work year-round and face seasonal demand, complex systems, and on-site risks that require both skilled tradespeople and the right insurance protection. As an insurance agent, you need markets that understand contractor exposures—from equipment installation and system testing to routine maintenance and emergency repairs. Chenango Brokers, LLC offers a tailored HVAC Contractors insurance program built for those needs. With direct access to quality markets and fast turnaround, our program helps you place coverage efficiently while protecting your clients’ operations.

Ideal Accounts and Target Classes

This program fits small to mid-sized HVAC contractors operating within a 300-mile service radius. We typically write licensed firms that perform installation, service, or repair of: • Air Conditioning Systems
• Refrigeration Systems
• Heating Units Whether your client focuses on residential HVAC installs or commercial refrigeration repair, the program provides flexible options to support a broad range of contractor operations.

Coverage Highlights and Advantages

HVAC work carries a mix of property, casualty, and inland marine exposures. Chenango Brokers places comprehensive solutions that may include: • General Liability
• Commercial Auto
• Inland Marine (tools & equipment)
• Employee Dishonesty Insurance
• Workers’ Compensation
• Contractor Umbrella Insurance
• Property These coverages address common contractor exposures such as jobsite property damage, third-party liability, loss or theft of portable equipment, employee dishonesty, and employee injury. Our underwriting and systems are optimized to quote, issue, and bind many accounts in under 37 minutes—helping you move quickly when clients need coverage fast.

Underwriting Notes and Minimum Premiums

Our program is open to qualified HVAC contractors that meet Chenango Brokers’ underwriting guidelines. Key points:
  • Minimum premium starts at $500
  • Operations must be within a 300-mile service radius
  • All contractors must be licensed
We support a variety of installation and service operations. Underwriters prefer accounts that use distinguishable HVAC unit makes/models when applicable and that provide professional, in-person estimates to demonstrate firm practices. Contact our team to review eligibility for specific accounts.

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 Chenango Brokers for details on admitted options in a particular jurisdiction.

Why Work With Chenango Brokers, LLC?

As a wholesale broker experienced with contractor programs, Chenango Brokers gives agents streamlined access to competitive markets and responsive service. Our HVAC Contractors program focuses on practical, placeable solutions and fast service so you can keep your clients working with minimal interruption. Example accounts that typically fit well: - A residential HVAC company that installs air conditioning and heating units and needs general liability, commercial auto for service vans, and inland marine for portable tools. - A small commercial refrigeration repair firm seeking liability, property, and umbrella limits to cover larger contracts. If you place HVAC accounts that install, service, or repair heating, cooling, or refrigeration systems, Chenango Brokers can help you secure tailored protection quickly and efficiently.

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 and will depend on the contractor’s size and 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—our workflow is set up to quote, issue, and bind many policies in under 37 minutes to help you move fast for your clients.

Do you offer admitted coverage?

Admitted coverage is available in some states. Please contact us to confirm admitted options for 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.