Hedge / Appetite / HVAC contractors
● In current Hedge appetite / P&C

HVAC contractors.

HVAC contractors is in Hedge's current published wholesale appetite for licensed retail insurance brokers. Residential and light commercial HVAC. Refrigeration commercial reviewed individually. Published target coverage includes General Liability with a published target of $1M / $2M, Commercial Auto with a published target of $1M CSL, and Inland Marine with a published target of $25K. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

NAICS   238220
Also known as   heating, cooling, air conditioning, refrigeration
Submit a risk Check another class
Coverage

Published target coverage.

These are starting-point lines and limits for a hvac contractors submission. Hedge confirms current fit, route, and available terms after account review.

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

Review coverage and submission requirements.

Choose a coverage guide for line-specific details or open the submission guide for the first-packet checklist.

$1M / $2M General Liability for hvac contractors Coverage context, underwriting facts, forms, and preparation guidance. $1M CSL Commercial Auto for hvac contractors Coverage context, underwriting facts, forms, and preparation guidance. $25K Inland Marine for hvac contractors Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for hvac contractors
Open class checklist →
Sweet spot

Stronger starting profile.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

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

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

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

Related 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?

HVAC contractors is in Hedge's current published appetite. Residential and light commercial HVAC. Refrigeration commercial reviewed individually. Hedge confirms current market fit and route after reviewing the account.

What does Hedge need to quote hvac contractors?

License + EPA refrigerant cert; % residential / commercial; Refrigeration commercial?; Number of trucks + technicians. These items support placement review, but an underwriter may request more.

What limits and lines does Hedge offer on hvac contractors?

General Liability target up to $1M / $2M; Commercial Auto target up to $1M CSL; Inland Marine target up to $25K. These are published targets, not promised terms. Available limits are confirmed after account and market review.

Does Hedge write heating?

Heating is one way brokers describe hvac contractors. It maps to the same published HVAC contractors appetite, target lines, and submission guidance listed above. Current fit and route still require account review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671