Louisville HVAC Contractor Insurance
Built for Kentucky heating & cooling pros – one agent, every coverage.
You didn’t get into HVAC to chase insurance paperwork. But one dropped recovery machine, one rear-end fender bender in a work van on 264, or one slip-and-fall at a Prospect jobsite can sink your business if you’re not properly covered.

At Dick Watts Insurance, we’ve spent 40 years helping Louisville tradesmen protect what they’ve built – and we specialize in bundling every policy HVAC contractors actually need under one roof with top-rated carriers like Hanover and Progressive.

Coverages Every Louisville HVAC Contractor Needs
General Liability (CGL): Covers bodily injury and property damage claims. If your tech cracks a marble countertop installing a mini-split, you’re covered.
Workers’ Compensation: Required by Kentucky law for most contractors with employees. We lead with work comp because we’re priced competitively – and when you bundle, we can get aggressive on your other lines.
Commercial Auto: Covers your service trucks, vans, and anything pulling equipment. Includes hired and non-owned auto so you’re protected when a tech runs to a supply house in their personal vehicle.
Tools & Equipment (Inland Marine): Covers gauges, recovery machines, vacuum pumps, torches, and the copper in your van. Blanket or scheduled – your choice.
Installation Floater: Covers materials and equipment at the job site or in transit. Critical if you’re running commercial installs.
Commercial Umbrella: Extra protection when a big claim blows past your underlying limits – and on bigger GC jobs, they’ll often require it.

A Real Louisville Example
One of our recent HVAC clients runs a 4-truck residential and light commercial shop out of Jeffersontown. We wrote their general liability, commercial auto on all four trucks, a $45,000 blanket tools and equipment schedule, and workers’ comp for their crew – all with one renewal date and one agent. When they needed a same-day COI for a property manager, they called us and had it in 20 minutes. That’s the difference.
Why Dick Watts Insurance
40 years writing Kentucky contractors
Top-rated carriers: Hanover, Progressive, and others
One agent, one phone call, every renewal – no call centers, no 800 numbers
Same-day certificates, including additional insured endorsements for your GCs
We know Louisville – from the Highlands to Hikes Point to Fern Creek

Frequently Asked Questions

Q: Do I need general liability if I’m a one-man HVAC shop?
A: In almost every case, yes. Most residential GCs and nearly every commercial property manager will require a GL certificate before letting you on site. And a single claim can wipe out years of income.

Q: How much does HVAC contractor insurance cost in Louisville?
A: Premiums vary by payroll, revenue, and the types of work you do. A small residential HVAC shop might start around $600-$1,200 for GL alone. A larger shop with employees, trucks, and commercial jobs may run $8,000-$20,000+ across all lines. Call for a custom quote.
Q: Will you handle my work comp audit?
A: Absolutely. We walk every client through their annual audit and help make sure you’re not paying on payroll that shouldn’t be included.
Ready to Talk?
Call Dick Watts Insurance for a free review of your current coverage. In most cases we can quote within 24 hours – and if we can’t save you money or improve your coverage, we’ll tell you straight.