HVAC Contractor Insurance in Montana: What You Need and What It Costs
Protect your business from lawsuits, jobsite losses, and costly claims.
If you’re an HVAC contractor in Montana, you already know your job involves more than ductwork and thermostats. One mistake on a job site can result in thousands in damages—and without the right insurance, those losses come out of your pocket.
Here’s what you need to know.
Who Needs HVAC Contractor Insurance?
Whether you're installing mini-splits in new homes, servicing rooftop units on commercial buildings, or subcontracting larger HVAC projects, you face daily risks:
Tools and parts stolen from your van
Water damage from a failed install
A technician getting hurt during a job
Insurance isn't just required in many cases—it's how you keep your business running when things go wrong.
Common Claims HVAC Contractors Face
We’ve seen it all. Here are real-world examples of claims HVAC contractors in Montana have faced:
Fire damage after faulty wiring sparked in a newly installed system
Bodily injury when a technician fell off a ladder and broke a wrist
Copper theft from an unsecured job site
General liability lawsuits over cooling systems that failed during a heat wave
What Coverages You Should Carry
Most HVAC companies need a core bundle of coverage:
General Liability: Covers third-party property damage or injuries.
Workers’ Compensation: Required if you have employees—covers jobsite injuries.
Commercial Auto: Covers vans and vehicles used for transporting tools.
Inland Marine (Tool & Equipment Coverage): Protects gear on the go or on-site.
Errors & Omissions (Professional Liability): Covers design errors or faulty recommendations.
Pollution: Covers claims for things like chemical spills or mold and fungus.
We also help HVAC businesses evaluate whether they need Umbrella Insurance or Cyber Liability depending on contracts and vendor relationships.
What It Costs in Montana
Premium depends on payroll, claims history, work type (residential vs. commercial), and subcontractor use.
Why Work With Us?
We’re not just insurance people—we know trades. Here’s how we help:
We’ve gotten clients EMOD relief after a one-time injury.
Fast turnaround time on certificates so you can keep jobs moving.
We help negotiate exclusions and remove surprise gaps in coverage.
We’re Montana-based. We understand your risks—and your weather.
And because we’re independent, we have access to multiple markets and can negotiation on your behalf.
