Client: A Southern California commercial and residential HVAC contractor · Coverage: Workers' Compensation ($1M Employer's Liability) + General Liability quote · Status: Bound
The problem
The licensed HVAC contractor needed workers' compensation to stay compliant with California law and to show proof of coverage to GCs and the state licensing board, as well as general liability for its jobs.
How Pierce helped
- Packaged GL (Scottsdale, $1M/$2M, $0 deductible) and workers' comp into one quote
- Showed that paying in full would save $690.95 compared with the monthly plan
- When the client asked to start workers' comp first, sent the ACH form the same morning and handled the carrier's bind requirements
- Delivered the COI and welcome packet
The result
Workers' compensation was bound with Pie Insurance effective 10/16/2026, and the COI was delivered. General liability was quoted at $1,395 a year.
Why it worked
Splitting the bind to match the client's priorities and cash flow got the license-critical coverage in place right away.
Related coverage
HVAC Contractor Insurance in Southern California · Contractors Insurance in California · Workers’ Compensation Insurance in California · General Liability Insurance
Facing something similar? Call 888-391-5981 or request a quote. A licensed agent will review your situation.
Client names and identifying details are withheld for privacy. This story is based on an actual account handled by our agency, as documented in our files. Coverage, pricing and results for your business depend on your own details.