HVAC work means ladders, rooftops, refrigerants and work inside customers’ homes and businesses. We insure heating, air conditioning and refrigeration contractors across Southern California, from one-truck owner-operators to growing crews.
Start a heating, a/c & refrigeration quote or call 888-391-5981.
Common risks
- Water or fire damage after an installation or repair
- A technician injured on a roof or in an attic
- Damage to a customer’s property while working inside
- Theft of tools, gauges and equipment from a van
- A service vehicle accident
Coverage most heating businesses need
| Coverage | Why it matters |
|---|---|
| General liability | Property damage and injuries you cause, including problems that show up after the job is done. |
| Workers compensation | Required for all C-20 HVAC licensees in California, even without employees. |
| Commercial auto | Your service vans and trucks. |
| Tools & equipment (inland marine) | Covers gear in your truck and on the job site. |
| Contractor bond | The $25,000 CSLB contractor bond. |
California requirements
Since January 1, 2023, CSLB has required C-20 (HVAC) licensees to carry workers compensation even if they have no employees. If your workers comp lapses, your license can be suspended.
Why business owners work with Pierce
- We’re an independent agency, so we compare multiple carriers instead of selling just one.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Contractors · Trucking · Plumbers · Electricians · Landscapers & tree service
See also: 2028 workers comp rule for contractors
Frequently asked questions
Do I need workers comp if I work alone?
Yes, for HVAC. California requires C-20 licensees to have workers compensation even with no employees.
Does general liability cover my own tools?
No. General liability covers damage you cause to others. Your tools and equipment need inland marine (tools and equipment) coverage.