HVAC contractors wholesale insurance · Yes · Hedge E&S
Hedge / Appetite / HVAC contractors
● Actively writing / P&C

HVAC contractors.

Residential and light commercial HVAC. Refrigeration commercial reviewed individually.

NAICS   238220
Also known as   heating, cooling, air conditioning, refrigeration
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Coverage

What we'd quote.

Standard limits on a clean hvac contractors submission. Excess towers structured on request.

General Liability $1M / $2M General Liability wholesale → Commercial Auto $1M CSL Commercial Auto wholesale → Inland Marine $25K Inland Marine wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 Residential split + ducted
02 Small commercial rooftop units
03 Maintenance contracts 30%+ of revenue
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 01License + EPA refrigerant cert
  • 02% residential / commercial
  • 03Refrigeration commercial?
  • 04Number of trucks + technicians
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write hvac contractors?

Yes. HVAC contractors is in appetite. Residential and light commercial HVAC. Refrigeration commercial reviewed individually. First response inside 30 minutes during business hours.

What does Hedge need to quote hvac contractors?

License + EPA refrigerant cert; % residential / commercial; Refrigeration commercial?; Number of trucks + technicians. Pulling these together with the file gets you to a quote in hours.

What limits and lines does Hedge offer on hvac contractors?

General Liability to $1M / $2M; Commercial Auto to $1M CSL; Inland Marine to $25K. Excess towers are structured on request.

Does Hedge write heating?

heating is one of the ways brokers describe hvac contractors, and yes, we handle it under our HVAC contractors appetite. Same lines, same limits, same subjectivities as listed above.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671