Heating, Cooling, Ventilation, Air Conditioning, and Refrigeration Contractors

Henry O. Baker provides insurance for heating, cooling, ventilation, air conditioning, and refrigeration contractors (HVACR and HVAC).  We write bonds and policies for HVACR contractors in New Jersey, including package, general liability, commercial auto, workers' compensation, tool floater, and more.

We write policies for contractors who install, service, and repair residential, commercial, or industrial heating and cooling equipment, combined units, chillers, and more. We also insure refrigeration contractors who service and install freezers, refrigerators, and walk-ins.

We can provide general liability coverage as a separate policy or in a package that includes a tool & equipment floater. When more than one million coverage is required, an umbrella can be purchased that provides up to 10 million of coverage.

Give us a call today to insure your HVACR business in New Jersey.

Heating units can be forced air or hydronic. We also insure the refrigeration contractor who services and installs freezers, refrigerators, walk-in-boxes, etc. The majority of work should be in New Jersey, with only a small amount in New York.

We can provide general liability coverage as a separate policy or in a package that includes a tool & equipment floater. When more than one million coverage is required, an umbrella can be purchased that provides up to 10 million of coverage. We represent several companies to shop our insurance—some rate by payroll, some rate by the number of full or part-time employees.

General liability limits are available in the amounts of $500,000 or $1,000,000. One million coverage is almost always chosen because the difference in premium is very little.

Here are two typical general liability packages for a one-person operation. A custom quotation needs to be prepared for your individual business. Prices vary by territory, type of operation, credit score, etc. Complete the survey form or call. Specific information about your business, such as ownership, number of employees, type of work done, etc., will be secured. After this information is obtained, a detailed customized quotation will be sent and/or emailed to you along with an application.

Master HVACR Bond

Learn more about our bonding services, who need a bond, and purchase a Master HVACR Bond.

Master HVACR Bond