TradeGuardHVAC subcontractor insurance requirements
What a general contractor should require from a hvac subcontractor before they set foot on site, and the coverage gap that most often turns a hvac job into the GC's claim.
Why hvac insurance matters
Refrigerant handling, gas lines, brazing/hot work, and rooftop units create fire, air-quality, and fall exposures at once.
What to require from a hvac sub
General liability, workers' comp, and commercial auto (HVAC crews haul equipment constantly). Completed operations matters for systems that fail after occupancy.
HVAC is licensed in most states, often with EPA refrigerant certification on top. Require both.
Additional insured (ongoing + completed) and a hot-work confirmation; brazing is a fire-cause the GC gets named for.
No auto liability listed even though the crew drives loaded trucks to your site daily.
Most of these gaps come down to one thing: additional insured status and the right endorsement.
General information, not legal or insurance advice; confirm requirements with your broker and the terms of your subcontract.
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HVAC insurance FAQ
What insurance should a hvac subcontractor carry?+
At minimum, General liability, workers' comp, and commercial auto (HVAC crews haul equipment constantly). Completed operations matters for systems that fail after occupancy.
Do hvac subcontractors need a license?+
HVAC is licensed in most states, often with EPA refrigerant certification on top. Require both.
What's the most common COI gap on hvac work?+
No auto liability listed even though the crew drives loaded trucks to your site daily.
Other trades
Requirements also vary by state; see insurance requirements by state.