What hvac contractors typically need
Based on our experience working with hvac contractors across Kentucky, Indiana, and Tennessee, here are the coverage types you should have in place:
- General liability
- Commercial auto
- Workers compensation
- Tools and equipment coverage
- Professional liability (for design work)
- Completed operations coverage
Kentucky-specific requirements
Kentucky requires workers comp for HVAC companies with 1+ employees. Most general contractors require subcontractors to carry at least $1M in GL coverage.
We represent top-rated carriers including specialty markets for hvac contractors, which means we can often find coverage that generalist agencies cannot. We also handle certificates of insurance, additional insured endorsements, and audit support.
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Why choose The Way Agency for hvac contractors insurance?
Industry experience. We understand the specific risks, contract requirements, and coverage gaps that hvac contractors face. We don't sell generic policies - we build programs that match real-world operations.
Carrier access. As an independent agency, we access markets that captive agents and direct-to-carrier sites cannot. For specialty trades, this access is the difference between getting covered and getting declined.
Certificate management. We handle COIs, additional insured requests, and evidence of coverage quickly. When you need a certificate for a job site by tomorrow morning, we make it happen.
Claims advocacy. When something goes wrong on a job, we help you navigate the claims process and push back on the carrier when needed. We work for you, not the insurance company.