Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
HVAC insurance in Arizona is not a seasonal product, because HVAC is not a seasonal trade here. Your crews are in 115-degree attics and on rooftops through the summer, carrying refrigerant and lifting equipment, and the cover has to reflect that rather than a national average.
At a glance
The four policies
General liability
Harm to other people and their property. The one every job site asks for.
Commercial auto
The truck or van, because a personal policy excludes business use.
Workers compensation
Required in Arizona from your first employee. ARS 23-902.
Tools and equipment
Inland marine. Not covered by the auto or the liability policy.
Bring to the quote
Your ROC license number and a description of the work you actually do.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
Start here
The four policies are the same. What is different about HVAC in this state is the physical environment, and it shows up most on workers compensation. Heat illness, falls from a roof or a ladder, and lifting injuries moving condensers and air handlers are the claims that come off Arizona HVAC payrolls, and they cluster into the months when the phone rings hardest.
On the general liability side the exposure is water and property damage. A condensate line that backs up into a ceiling, a drain pan that overflows into a finished room, refrigerant handling, and work performed in an attic above somebody's living space.
Commercial auto covers the trucks, which on an HVAC business are usually more numerous and more heavily loaded than in other trades. Tools and equipment covers gauges, recovery machines, vacuum pumps, lifts and the stock on the truck.
The four policies
Same four names for every trade. What differs is which one fires, and how hard, in your line of work.
602-480-6453HVAC contractor
Declarations
General liability
Water and property damage is the everyday HVAC liability claim: condensate lines, drain pans and attic work above finished ceilings.
Completed operations matters here too, since an install can leak for weeks before anyone notices.
Commercial auto
Service trucks and install trucks, usually more than one, carrying heavy and valuable stock.
Personal auto policies exclude business use, so every one of them belongs on the commercial policy.
Workers compensation
Required from your first employee under ARS 23-902, and the class that Arizona conditions make most expensive.
Heat illness, roof and ladder falls, and lifting injuries all sit here, concentrated in the summer months.
Tools and equipment
Gauges, recovery machines, vacuum pumps, nitrogen regulators, torches, lifts and the equipment staged for tomorrow's install.
Inland marine covers them in the truck, on the job and in the yard.
Illustration of how a declarations page is laid out. Not a real policy.
Your exposure
The seasonality is the thing to plan for. An Arizona HVAC business does a large share of its revenue, its hiring and its injuries in a few months, and the insurance program should be built for that peak rather than for the annual average.
That means estimating payroll honestly at the start of the policy year so the audit is not a surprise, and it means checking that seasonal hires are on the workers compensation policy from their first day rather than their first month.
It also means the tools policy should carry the equipment staged for installs, not just the hand tools in the cab.
The truck in the middle is the business. Each label is a separate policy, and none of them covers what the others do.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
Every review above is quoted in full from Google or Facebook. Read all of them.
Why is workers comp expensive for HVAC in Arizona?
Because the work happens on roofs, in attics and in extreme heat, and the injury data reflects it. Heat illness, falls and lifting injuries are the common claims. Correct class codes and an accurate payroll estimate are the two things most within your control.
Do I need to insure seasonal hires?
Yes, from their first day. ARS 23-902 explicitly includes employment for only a portion of the year in the usual trade or business of the employer. Seasonal is not an exception.
Is refrigerant handling covered?
Damage arising out of your operations is generally a general liability question, and specific pollution and refrigerant exclusions vary between policies. This is one to have the actual policy language checked on rather than assumed.
Is equipment staged for tomorrow's install covered?
Under a tools and equipment policy it can be, including at the yard or on the job site overnight, but the limit has to reflect what is actually sitting there. This is a common underinsurance point on HVAC accounts.
What does a general contractor usually require from an HVAC sub?
Typically general liability and workers compensation at specified limits, commercial auto, additional insured status and sometimes a waiver of subrogation. Send the requirements to us before you sign so the policy supports the wording rather than the certificate alone.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options for your business. Commercial auto, general liability, workers comp and a business owners policy can all sit with one local agent in Peoria, AZ.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.Service area
We write HVAC insurance in Arizona for heating and cooling companies across Peoria, Glendale and Surprise. HVAC contractor insurance in Arizona has to be built for a Phoenix summer rather than a national average, and HVAC business insurance is priced on a payroll that spikes when the phone does. HVAC contractor insurance in Peoria starts with an honest payroll estimate so the audit is not a surprise.
Get a commercial quote
Tell us about the business. We compare several carriers and call you back with options.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Call us before the hires start. Getting payroll and class codes right in advance beats finding out at the audit.
