Insurance for HVAC contractors in Georgia

Heating, ventilation, and air conditioning (HVAC) contractors in Georgia face a unique set of risks every day—working on rooftops, handling expensive equipment, navigating customer properties, and complying with licensing and safety regulations. Insurance isn’t just a good idea—it’s a critical business tool that protects HVAC companies from financial loss, legal issues, and unexpected incidents.

Why HVAC Contractors in Georgia Need Insurance

Whether you're a solo technician in Valdosta or run a large HVAC company Atlanta, you're exposed to multiple liabilities:

  • Property damage to customer homes

  • Injuries to clients, employees, or yourself

  • Theft or damage to tools and vehicles

  • Lawsuits from service disputes or accidents

  • Regulatory compliance with Georgia state contractor laws

The right insurance coverage safeguards your finances and reputation while meeting licensing requirements.

Required Insurance for HVAC Contractors in Georgia

1. General Liability Insurance

  • Purpose: Protects your business from third-party claims of bodily injury or property damage.

  • Example: You accidentally damage a client's wall while installing ductwork.

  • Requirement: Strongly recommended; often required to secure contracts or building permits.

  • Typical Coverage: $1 million per occurrence / $2 million aggregate.

2. Workers’ Compensation Insurance

  • Purpose: Covers medical expenses and lost wages if an employee is injured on the job.

  • Requirement: Mandatory in Georgia if you have three or more employees, including part-time workers.

  • Enforcement: Managed by the Georgia State Board of Workers’ Compensation.

3. Commercial Auto Insurance

  • Purpose: Covers company-owned vehicles used for transporting tools, equipment, or personnel.

  • Georgia Law: Requires minimum liability coverage of:

    • $25,000 for property damage

    • $25,000 per person / $50,000 per accident for bodily injury

Recommended Additional Coverage

4. Tools & Equipment Coverage (Inland Marine)

  • Protects portable tools and HVAC equipment from theft or damage at job sites or in transit.

5. Contractor’s Installation Floater

  • Covers materials and supplies being installed before project completion.

6. Professional Liability (Errors & Omissions Insurance)

  • Provides protection if you're sued for mistakes in system design, installation recommendations, or permitting issues.

7. Commercial Property Insurance

  • Covers your office, shop, storage facility, or warehouse against fire, theft, and other hazards.

8. Surety Bonds

  • While not technically insurance, Georgia HVAC contractors may need a surety bond to obtain licensing or pull permits in certain municipalities.

HVAC contractor insurance in Georgia isn’t just a smart investment—it’s often required to operate and grow your business. From general liability to workers’ comp and tool coverage, the right insurance mix protects you from lawsuits, accidents, and jobsite surprises. Make sure you're properly insured to build trust with clients, meet licensing regulations, and keep your business running smoothly.

If you’d like help comparing quotes or building a custom insurance plan for your HVAC business in Valdosta, Savannah, Atlanta or elsewhere in the state, Tatum Insurance Agency would love to help  229-244-0222