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Insurance Cost Estimator

Get a directional estimate of general liability, workers' comp, commercial auto, and other coverage costs for your HVAC or appliance repair business.

This tool gives you a directional HVAC insurance cost range — or an appliance repair business insurance range — before you ever get on the phone with a broker. Pick your trade, state, revenue band, crew size, and vehicle count, and it returns estimated ranges for general liability, workers' comp, commercial auto, tools and equipment, umbrella, and BOP coverage, built from published carrier and broker benchmarks rather than a guess.

Contractor insurance pricing isn't one number. Carriers weigh your trade risk (setting rooftop units and running gas lines reads very differently than bench and in-home diagnostic work), your payroll and headcount, how many vehicles you run, and your annual revenue, since more revenue generally means more jobs and more exposure to a claim. Two shops doing similar work can land on very different premiums depending on how a given carrier weighs those factors — see our HVAC general liability cost breakdown or appliance repair licensing and insurance guide for the underwriting detail behind the numbers.

Before you request real quotes, have your prior-year revenue, current payroll or planned headcount, a vehicle count, and any loss history on hand — a broker will ask for all of it, and the more precise your numbers, the tighter the quote. The estimate below is a starting point for that conversation, not a substitute for it.

How much does HVAC insurance cost?

According to published data from Insureon and TechInsurance, small HVAC contractors pay around $941 a year ($78/month) for general liability on average, with NEXT Insurance publishing a customer range of roughly $648 to $2,316 a year. Workers' comp averages about $2,672 per employee a year per Insureon and TechInsurance, though MoneyGeek's state-level HVAC figures show it can run anywhere from roughly $1,992 to $14,628 per employee depending on your state's rate and payroll. Commercial auto typically runs $2,292 per vehicle a year on average, with a published range of $2,088 to $5,688 depending on the state, per MoneyGeek. A business owner's policy (BOP) bundling general liability and property coverage averages $1,493 a year, per Insureon and TechInsurance.

For appliance repair businesses, published figures run lower: Insureon reports an average general liability premium of $876 a year, with Wexford Insurance publishing a range of $400 to $1,000. Commercial auto runs roughly $1,200 to $2,500 per vehicle a year per Wexford, and workers' comp averages about $2,316 per employee a year per Insureon.

These are national published averages, not quotes — your actual premium depends on your state, payroll, and claims history. See our methodology for how we use them, or check state insurance requirements for what your state actually mandates.

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This is a directional estimate, not an insurance quote. See our methodology.

Frequently Asked Questions

How much does HVAC insurance cost?▾
Published carrier data puts small-contractor general liability around $941 a year on average, with a published range of roughly $648 to $2,316 depending on revenue and claims history. Workers' comp averages about $2,672 per employee a year, and commercial auto runs about $2,292 per vehicle a year on average. Use the estimator above for a range built from your own state, revenue, and crew size.
How much does appliance repair business insurance cost?▾
Appliance repair carries lower published averages than HVAC because the work skews toward bench and in-home diagnostics rather than installation. General liability averages around $876 a year with a published range of roughly $400 to $1,000, commercial auto runs around $1,200 to $2,500 per vehicle, and workers' comp averages about $2,316 per employee a year.
What insurance does an HVAC contractor need?▾
Most HVAC contractors carry general liability at minimum, since it's the coverage customers, property managers, and general contractors ask to see before they'll book you. Beyond that, commercial auto (your personal policy almost always excludes work use), tools and equipment coverage, and workers' comp once you have employees are the core stack. Larger installation shops often add an umbrella policy for extra liability limits.
Is workers' comp required if I have no employees?▾
It depends on your state — some require workers' comp starting with your first employee, others exempt sole proprietors and owner-operators entirely, and a few require an exemption filing even if you have no one to cover. Check your state's requirements page for the specifics before you assume you're exempt.
What is a BOP and do I need one?▾
A business owner's policy (BOP) bundles general liability and commercial property coverage into one policy, usually at a lower combined cost than buying them separately. It's worth asking a broker about if you carry inventory, rent or own a shop or warehouse, or want fewer policies to manage. Solo techs working out of a van with no fixed location often skip it and buy GL alone.
How can I lower my insurance premium?▾
The most common levers are raising your deductible, bundling coverage types with one carrier instead of buying each separately, and documenting a safety program (driver training, equipment maintenance logs, jobsite protocols) that carriers can point to when they underwrite you. Reviewing your payroll and revenue figures with your broker every year — rather than letting an old estimate carry forward — also keeps you from overpaying for exposure you no longer have.
Does this estimate guarantee my rate?▾
No. This is a directional estimate built from published industry benchmarks, not an underwritten quote — it doesn't know your claims history, exact payroll, or the coverage limits a specific carrier would offer you. See our methodology for exactly how the ranges are built, and talk to a licensed broker for a real number.