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HVAC Insurance

Purpose-built insurance for HVAC installers, technicians, and mechanical contractors in Ontario.

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HVAC Contractor Insurance in Ontario

HVAC contractors work in residential, commercial, and industrial environments with real exposure to property damage, equipment failure, and bodily injury.

CrownRidge provides HVAC insurance programs that combine liability, equipment, and vehicle coverage.

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Did You Know?

Improper handling of refrigerants can result in significant regulatory fines under Ontario's environmental laws.

What's Covered

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Contractor Liability

General liability for property damage and injuries during HVAC work.

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Tools & Equipment

Coverage for HVAC tools and service machinery.

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Completed Operations

Protects you from claims arising from systems you've installed.

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Service Fleet

Commercial auto coverage for service vans and trucks.

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Refrigerant Liability

Coverage for refrigerant handling incidents.

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Certificate of Insurance

Policies structured to satisfy job requirements.

Who Needs HVAC Insurance?

HVAC installers
Furnace & AC technicians
Mechanical contractors
Refrigeration specialists
Ductwork installers
Building automation contractors

Frequently Asked Questions

Does HVAC insurance cover refrigerant-related incidents?+
Yes — a properly structured HVAC policy includes coverage for refrigerant handling incidents.
Do I need separate coverage for residential vs. commercial work?+
Most policies cover both, but the nature of your work affects premiums.
What about coverage for my service vans?+
Commercial auto coverage can be bundled with your liability policy.

Questions About Your Coverage?

Our licensed brokers are ready to help you find the right fit.