Our policies are built for:
Professional
tailored advice
Competitively
priced polices
Comprehensive
cover option
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Heating and cooling contractors face a wide range of risks — from working in tight ceiling spaces and rooftops to managing complex installations involving electrical, gas, and refrigeration systems. Many standard insurance policies don’t account for the specific risks HVAC professionals face, especially on commercial or industrial sites.
HVAC Insurance is designed to cover these exposures. Whether you’re a solo tradie or run a team of technicians, this policy gives you the protection needed to operate confidently even when the job is high-risk or highly regulated. The two most common policies HVAC contractors need are Public Liability Insurance and Professional Indemnity Insurance (if advice or compliance documentation is part of your service).
This policy protects you if your work causes injury or property damage. For example, if you accidentally damage walls during a split system install, or a client trips over your tools, this cover helps with compensation, legal defence, and any third-party claims.
Many general policies exclude gas or electrical work by default, or don’t extend to high-risk environments. We work with underwriters who understand the HVAC industry and can provide the right protection for your jobs — big or small.
If you’re issuing energy efficiency reports, advising on commercial ventilation systems, or signing off on compliance paperwork, you’re exposed to liability for errors or omissions. This policy covers claims where your advice or work leads to financial loss.
It’s especially important for commercial HVAC contractors or mechanical services firms involved in planning, documentation, or compliance with Australian standards.
Need a business insurance broker who understands HVAC contractors?
We’ve got you covered.
We know that running your HVAC business takes time and energy. That’s why we’ve built an insurance process that’s straightforward and efficient — so you can stay focused on the job. Our team ensures you’re covered correctly and fully informed, without the jargon or fine print.
We provide simple, tailored, and fully managed HVAC insurance policies.
Most Dedicated Business Insurance Broker 2023
QLD 2023 Top Insurance Broker Finalist
Peoples Choice 2023 Winner
Fast Starter Award 2023
QLD Top Insurance Broker Finalist 2022 Finalist
QLD 2022 Top Insurance Broker Finalist
Top Thought Leader 2022 Winner
Know what’s excluded
Working at heights, with gas or refrigerants, or on construction sites isn’t always covered by default. We ensure any exclusions are flagged and addressed before your policy is finalised.
Check your listed occupation
Insurers rate your risk based on your job title. Whether you’re listed as an HVAC technician, refrigeration mechanic or installer, your policy must match what you actually do.
Cover for subcontractors
If you use apprentices, labour hire, or subcontractors, make sure your policy includes them — or that they’re carrying their own valid cover.
Tool and vehicle inclusions
Your tools, van, and materials should be covered on the move and onsite. We’ll help structure your cover to include what you rely on every day.
Yes especially if you’re working on commercial sites, in strata buildings, or under government contracts. Most builders and site managers will require a valid Public Liability certificate before granting access. Even for residential jobs, it’s essential protection in case your work causes damage or injury. Without it, a single claim could cost tens of thousands or more.
Absolutely. We regularly set up bundled policies that include Public Liability, Tools & Equipment Insurance, and Commercial Vehicle cover. Bundling saves you money and paperwork, with one monthly repayment and a single renewal date. It’s a smart way to stay protected without juggling multiple policies.
Whether you’re running HVAC as a side hustle or focusing on seasonal shutdowns, we can structure your policy to match your risk level. You won’t be paying the same premium as a contractor managing a large team across multiple sites. Just let us know how often you work, and we’ll find a solution that fits.
That depends on your turnover, the type of work you do (residential vs commercial), how many employees you have, and what level of cover you need. Sole traders doing basic split system installations might pay as little as $500–$800 per year for Public Liability. Larger HVAC companies working on commercial fit-outs will need a more comprehensive package we’ll tailor the quote based on real risk.
If you’re advising on system design, energy efficiency, gas appliance safety, or issuing compliance certificates, then yes — you should consider it. Professional Indemnity Insurance protects you if a client claims your advice or certification caused financial loss or damage. It’s especially relevant if you’re consulting to builders, developers, or project managers.
We provide HVAC insurance Australia-wide, including Queensland, New South Wales, Victoria, South Australia, Western Australia, and the ACT. Regulations around licensing, gas handling, and electrical compliance can vary by state. For example, Queensland contractors need QBCC licensing and may have specific requirements under state legislation. We help you understand what’s needed based on your state and ensure your policy is compliant with local laws and licensing bodies.
Why should you use Priority Insurance Brokers to arrange your HVAC Insurance?
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