Novatae Risk Group offers a dedicated General Liability Insurance program tailored specifically for Heating, Ventilation, and Air Conditioning (HVAC) Contractors. Developed in partnership with an “A” rated carrier, this program is designed to provide reliable, affordable coverage to help agents and brokers place small to mid-sized HVAC contractor accounts with confidence.
Whether your HVAC clients are looking to switch carriers or enhance their current coverage, Novatae makes the process simple. Our experienced brokers can quickly review submissions and offer competitive solutions that meet your clients’ risk management needs. With both admitted and non-admitted options available through highly rated carriers, we can accommodate a wide range of client profiles and project scopes.
To discuss your HVAC accounts, call our knowledgeable team at 800-758-8113.
Overview:
This General Liability program is built to support small to mid-sized HVAC contractors by delivering comprehensive protection against third-party claims. Typical exposures addressed include property damage, bodily injury, and completed operations liability—key concerns in the HVAC field.
Market Focus:
We focus on HVAC contractors with annual payrolls under $1,000,000. Whether your client specializes in residential installs, commercial service and repair, or tract home developments, this program is designed to help you place their general liability needs efficiently.
Appetite:
- Residential HVAC Contractors
- Commercial HVAC Contractors
- Tract Home HVAC Installers
- HVAC Service & Repair Providers
Coverages Available:
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory Wording
- Per Project Aggregate Limits
- Subsidence Coverage (with limitations)
- Prior Projects Coverage (with limitations)
Submission Requirements:
- Completed ACORD Applications
- 3 to 5 Years of Currently Valued Loss Runs
- Supplemental HVAC Application
- Project-Specific Pollution Application (if applicable)
Underwriting Notes and Minimum Premiums:
The minimum premium for this program starts at $1,500. Our underwriting team evaluates each submission based on the contractor’s operations, payroll, loss history, and project types. We aim to provide fast turnaround and competitive terms for well-qualified accounts.
Territories and Availability:
This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Admitted and non-admitted options are available depending on the state and risk profile.
Why Work With Novatae Risk Group?
As a trusted wholesale broker, Novatae Risk Group brings deep market access and underwriting experience to the table. We specialize in helping agents and brokers place challenging or niche contractor accounts. Our team is responsive, knowledgeable, and committed to helping you find the right solution for your HVAC contractor clients—no matter the size or complexity of the job.
Need a quote for your HVAC contractor account?
Email [email protected] or call 800-758-8113 to speak directly with an underwriter.
Frequently Asked Questions
What types of HVAC contractors are eligible for this program?
The program targets small to mid-sized residential, commercial, and service/repair HVAC contractors with annual payrolls under $1,000,000.
Are both admitted and non-admitted markets available?
Yes, Novatae offers access to both admitted and non-admitted carriers, rated as high as A-XV, depending on the state and risk profile.
What states is this program available in?
This program is available in 25 states, including CA, TX, FL, IL, GA, and others. Contact us to confirm availability in your state.
What is the minimum premium for eligible accounts?
The program starts at a minimum premium of $1,500, with pricing based on underwriting factors such as payroll, operations, and loss history.
What documents are needed to submit an account?
Submissions should include completed ACORD forms, 3–5 years of loss runs, a supplemental HVAC application, and a pollution application if applicable.
Need help placing an account? Connect with a market specialist.