NIP Group’s HVACPro® program is built specifically for contractors who design, build, and service heating, ventilation, and air conditioning systems. As a specialized Managing General Agency, NIP Group provides agents and brokers with a tailored solution for placing HVAC contractors with comprehensive and competitive coverage options.
Ideal Accounts and Appetite
HVACPro® is ideal for licensed contractors engaged in the design, installation, maintenance, and repair of HVAC systems. This includes residential, commercial, and light industrial operations. Whether your client is a small heating and cooling business or a larger contractor managing complex ventilation systems for multi-unit buildings, this program is designed to support a wide range of HVAC-related operations.
You might have a client who installs HVAC systems in new residential developments or one who services commercial rooftop units. Both would be a strong fit for HVACPro® — especially if they are looking for a program with industry-specific underwriting that understands the unique risks HVAC contractors face.
Coverage Highlights and Advantages
HVACPro® offers broad coverage tailored to the exposures HVAC contractors face on every job site. Key coverage components may include:
- General Liability
- Contractor’s Equipment
- Property and Inland Marine
- Commercial Auto and Excess Liability (where available)
- Errors & Omissions for design/build operations
The program is supported by top-tier carriers and offers flexible solutions for both admitted and non-admitted placements in most states.
Underwriting Notes and Minimum Premiums
Underwriting is handled by experienced professionals who understand the HVAC industry. Accounts are evaluated based on scope of operations, safety practices, claims history, and project types. Minimum premiums vary depending on the size and complexity of the risk, but HVACPro® is designed to be competitive for a wide range of accounts from small contractors to mid-sized firms.
Territories and Availability
HVACPro® is available in most U.S. states, including but not limited to CA, FL, NY, TX, PA, IL, and GA. The program is accessible in 48 states plus the District of Columbia, offering broad geographic reach to help you place accounts across your entire book of HVAC clients.
Why Work With NIP Group?
NIP Group is a trusted Managing General Agency with deep experience in building industry-specific insurance programs. With HVACPro®, you gain access to a partner that understands HVAC contractors’ operational realities and can help you deliver tailored solutions that meet your clients’ evolving needs. Their market access, underwriting focus, and service commitment make them a go-to resource for brokers placing HVAC-related business.
Frequently Asked Questions
What types of accounts are a good fit for the HVACPro® program?
HVACPro® is designed for contractors who design, install, service, and maintain heating, cooling, and ventilation systems. Residential, commercial, and light industrial operations are all within appetite.
Is the program available on an admitted basis?
The HVACPro® program is available on an admitted basis in most states, with non-admitted options available where necessary.
What coverages are typically included in this program?
The program commonly includes General Liability, Property, Inland Marine, Contractor’s Equipment, Commercial Auto, and Excess Liability. E&O coverage may also be available for design/build contractors.
Are there minimum premium requirements?
Minimum premiums vary depending on the size and complexity of the account. Contact NIP Group for underwriting guidelines specific to your client’s risk.
Which states is the HVACPro® program available in?
The program is available in most U.S. states, including CA, TX, NY, FL, PA, IL, and many others. A full list includes 48 states plus the District of Columbia.
Need help placing an account? Connect with a market specialist.