General Liability
Protect your HVAC business from third-party bodily injury and property damage claims arising from your contracting operations, including completed work and on-site incidents.
HVAC contractors face unique on-the-job risks — from refrigerant leaks to equipment damage on customer property. Soma delivers fast, affordable liability insurance tailored specifically for HVAC businesses, covering general liability, commercial auto, tools, and more. One application, competitive rates from top-rated carriers, and coverage placed faster than any traditional broker.
Comprehensive insurance solutions designed to protect every aspect of your HVAC contracting business, from job site liability to your fleet.
Protect your HVAC business from third-party bodily injury and property damage claims arising from your contracting operations, including completed work and on-site incidents.
Cover your service vans, trucks, and work vehicles under a dedicated commercial auto policy — including hard-to-place fleets and vehicles used across multiple job sites.
Guard against claims arising from faulty HVAC designs, incorrect system recommendations, or errors in installation and service work that result in financial loss for your clients.
Protect your office, warehouse, tools, and equipment from fire, theft, vandalism, and other covered perils — keeping your HVAC business operational after unexpected losses.
Soma's Risk Management Team analyzes your HVAC operations, identifies coverage gaps, and places the right policies at the right price — replacing the slow, traditional broker model.
Get a tailored insurance package built for HVAC contractors with one simple application — covering inventory, equipment, liability, and operations at an affordable, competitive rate.
HVAC contractors navigate some of the most complex risk environments in the trades — working with pressurized refrigerants, electrical systems, and expensive customer equipment daily. Soma connects you with top-rated carriers like Chubb, Nationwide, and Liberty Mutual to place contractor liability coverage others won't touch. Whether you're a solo operator or running a multi-crew commercial HVAC firm, we deliver a fast quote, transparent pricing, and a seamless policy experience with a single application.
See how HVAC contractors across the country secured fast, affordable coverage through Soma.
We've replaced the traditional brokerage model with a faster, smarter approach to HVAC contractor coverage.
We bind HVAC contractor coverage faster than any traditional broker — no weeks of waiting or chasing quotes.
Access to Chubb, Nationwide, Liberty Mutual, and more — carriers with real appetite for HVAC and trade contractor risks.
Get competitive HVAC liability quotes across multiple carriers with a single application, saving you time and paperwork.
Our Risk Management specialists understand HVAC exposures and structure coverage precisely matched to your operations and contract requirements.
Experienced insurance specialists dedicated to protecting HVAC contractors.
Soma was built to solve a problem every contractor knows too well — slow brokers, generic policies, and coverage that doesn't match how you actually work. Our team of commercial insurance specialists has processed thousands of businesses, including HVAC contractors, mechanical trades, and construction firms. We partner directly with top-rated carriers like Chubb, Nationwide, Kinsale, and Liberty Mutual to place coverage that standard markets routinely decline. At Soma, we believe HVAC contractors deserve insurance as fast and reliable as the service they provide their own customers.
HVAC contractor general liability insurance typically ranges from $500 to $2,500 per year for smaller operations, while larger commercial HVAC firms may pay $3,000 to $10,000 or more depending on revenue, crew size, and coverage limits. Factors like your claims history, the types of systems you service, and whether you handle refrigerants all affect your premium. Soma compares rates across multiple top-rated carriers to find your best price.
Talk to a Soma specialist and get clear answers — plus a fast, no-obligation quote.
Partnered with A-rated carriers for maximum claim security
Recognized for placing complex contractor risks others decline
Committed to same-day quotes for HVAC contractor coverage
Fill out one simple form and Soma's Risk Management Team will analyze your operations, compare rates across top carriers, and deliver a competitive quote — fast. No waiting, no chasing brokers.