Small Business Insurance for HVAC Technicians

As an HVAC Technician you play a pivotal role in creating and maintaining a comfortable indoor environment for all Canadians – year-round! From fixing the furnace, to installing an air conditioning unit; you need to keep your ducts in a row. Allow TD Insurance to customize insurance coverage to fit the unique needs of your business – experience comfort in knowing you're protected.

Speak to a licensed TD Insurance Advisor 1-855-724-2883 

HVAC Technician Insurance is recommended for:

  1. Commercial HVAC Technicians

  2. Residential HVAC Technicians

  1. Refrigeration Technicians

  2. Duct Cleaners    

Why You Need HVAC Technician Small Business Insurance

  • Accidents happen

    If you accidentally damage a client's wall while installing an air-conditioning system.

  • Shield your vehicle

    Protection for the vehicle that transports you, your tools and your equipment to your job sites.

  • Protect your tools

    Protection for essential tools, such as your manifold gauge set or caulking gun, if they are damaged in a covered event.

  • Business Income / Business Interruption

    Ensure your revenue doesn't take a hit if you have to temporarily shut down due to an insured event.

Let’s get you started with a quote

Coverage Options for HVAC Technicians


It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.

TD Insurance Savings Commitment

Along with customizing a policy to fit your business's needs, TD Insurance is committed to savings. We may be able to offer you additional discounts – speak to a licensed TD Insurance Advisor today.

  • Bundle your small business insurance policies and save

  • Alumni and Professional Group Discounts1

  • TD Customer Loyalty Discount2

Claim Scenarios for HVAC Technicians

Potential Claim:

It's the middle of summer and you have been extremely busy with new air conditioning unit installations and repairs. On your last job of the day, you inadvertently trip over an electrical cord causing damage to the customer's nearby high-end furniture.


Potential Outcome:

Your commercial general liability policy may cover any related legal fees, as well as the cost to repair or replace the furniture if you are found liable.


Potential Claim:

You are completing the annual maintenance of a furnace at your client's property. Your vehicle is parked on your client's street, with some of your tools and equipment inside. When you are ready to leave, you notice your vehicle has been broken into, and your specialized toolbox has been stolen.


Potential Outcome:

If you have a commercial property policy with an equipment floater, your policy may respond to cover the functional replacement cost of the missing items. If you have added Business Income / Business Interruption coverage, you may be covered for actual income loss sustained if you are forced to temporarily shut down your business. If you have a commercial auto policy with all perils or comprehensive coverage, you may be covered for the cost to repair any related damage to your vehicle.

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

  • Call us by Phone

    Licensed TD Insurance Advisors are ready to answer your questions and help you get started. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

Have a question? Find answers here