Insurance Requirements - Heating, Ventilation, Air Conditioning and Refrigeration Contractors
All master, master restricted and limited contractor applicants who are responsible for signing or approving contracts to install or service HVACR systems are required to carry general liability and property damage insurance.
The following must appear on the insurance certificate:
- Your name must appear on the certificate of insurance.
- Your general liability insurance coverage must be at least $300,000.
- Your property damage liability insurance coverage must be at least $100,000.
- The combined amount of the general liability and property damage insurance must be at least $400,000.
- The policy number and expiration date of the policy must appear on the certificate of insurance.
Note: The State Board of HVACR Contractors must be named as the insurance certificate holder. Licensees holding a master, master restricted or limited contractor license who permit their insurance to expire cannot legally continue to enter into contracts to provide HVACR services.
Licensees holding a master, master restricted or limited contractor license who permit their insurance to expire cannot legally continue to enter into contracts to provide HVACR services. Licensees who enter into HVACR contracts without the required insurance are guilty of a misdemeanor, and upon conviction, are subject to a fine not to exceed $1,000 or imprisonment not exceeding six months or both.