Zensurance is the right call for most Canadian HVAC techs doing residential or light commercial work. The self-serve portal gets you a quote, a policy, and a certificate of insurance in minutes — no broker call, no waiting. Their HVAC-specific policies cover the core risks: third-party property damage, completed operations, and tools. If you handle refrigerants or do design-install work, look at their pollution liability and E&O add-ons. The main gap is surety bonds for government contracts.
Next Insurance is worth a look if you need Workers' Compensation bundled with your GL — their WC offering is the strongest we reviewed. Good fit for HVAC shops with employees. US-based but fully licensed in Canada, and the self-serve portal works well. Pricing is comparable to Zensurance but slightly higher for equivalent coverage. Ask about their claims process in Canada before buying.
Intact is Canada's largest insurer and their scale matters for HVAC contractors working on commercial buildings. Policies go up to $5M CGL and they can arrange surety bonds through their broker network. The broker requirement adds friction — not the right fit if you want coverage this week. Best for established HVAC companies with multiple employees doing commercial or institutional work.
BrokerLink is worth calling if your HVAC work is non-standard — refrigerant system installations, industrial chiller work, or if you've had prior claims. They can shop across multiple carriers to find coverage direct insurers won't write. Ranked fourth because the process takes longer and pricing is opaque without a broker call. For standard residential HVAC, Zensurance is faster and cheaper.
What insurance do HVAC techs actually need?
Commercial General Liability (CGL)
CGL is non-negotiable for HVAC work. Property managers, building owners, and GCs all require proof of coverage before you touch a system. A refrigerant leak that damages building equipment, a client who slips on the water you tracked in — CGL covers third-party injury and property damage claims from your operations.
Tools & Equipment
HVAC techs carry specialized, expensive gear — manifold gauges, refrigerant recovery machines, vacuum pumps, diagnostic tools. Tools & equipment coverage replaces what's stolen from your van or damaged on a job. One van break-in can wipe out thousands of dollars of gear that you need to work tomorrow.
Commercial Auto
If you're driving to service calls and hauling equipment, your personal auto policy won't cover a work-related claim. Commercial auto covers your vehicle for business use — including loaded vans, trailers, and any lettering or signage that signals it's a work truck.
Professional Liability (Errors & Omissions)
An incorrect refrigerant charge leads to equipment failure. A system you commissioned doesn't meet spec and the client faces energy penalties. E&O covers financial losses from mistakes in your work or advice — not just physical damage. It's increasingly required on commercial HVAC contracts and new construction.
Frequently asked questions
How much does HVAC insurance cost in Canada?
Most solo HVAC techs pay between $63 and $130/month for a basic CGL policy. Full coverage including tools, commercial auto, and E&O typically runs $130–$280/month. Rates vary by province, revenue, and the type of systems you work on — refrigeration and ammonia systems carry higher premiums.
Do HVAC techs need special insurance for refrigerants?
Standard CGL policies cover most HVAC work including refrigerant handling. However, if you work with ammonia systems, large commercial refrigeration, or industrial chillers, you may need a specialty endorsement or higher liability limits. Check with your insurer before taking on those contracts.
Can I get HVAC insurance online in Canada?
Yes. Zensurance lets you quote and bind a policy online in under 10 minutes. It's the fastest option for solo HVAC techs and small shops outside Quebec.
Does this page cover Quebec HVAC techs?
The providers listed serve most of Canada, but Zensurance's online quote-and-bind is not available in Quebec. Quebec HVAC techs should contact a local broker like BrokerLink or Intact directly.
Does my HVAC insurance cover both heating and cooling work?
Yes — standard HVAC contractor policies cover the full scope of heating, ventilation, and air conditioning work. If you also do refrigeration or plumbing as part of your HVAC work, confirm that your policy covers those activities, as some have exclusions.