NIP Programs is pleased to present HVACPro®, developed specifically for contractors that design, build and service heating, cooling, and ventilation systems, so we can get you the right coverage with great rates. The program is underwritten by a carrier Rated A (Excellent), Financial Size XV by A.M. Best, and provides all-lines coverage with the special coverage enhancements these HVAC contractors need, including Blanket Additional Insured, Per Project Aggregate, Blanket Waiver of Rights, Primary Non-Contributory, Completed Operations, and more.

Program Highlights

  • ISO-Based, Admitted Package Product
  • Carrier Rated A (Excellent), Financial Size XV by A.M. Best
  • Highly Competitive Rates
  • Superior Customer Service

Eligible Exposures

  • AC Systems, Refrigeration Systems, Heating or HVAC Sales, Install, Service, Repair, Sheet Metal Contractors
  • Eligible States: Program is admitted in all states and can currently be written in 46 states (Exceptions: AK, HI, ID, LA, MT, and NYC’s 5 Boroughs)

Ineligible Exposures

  • Accounts subcontracting more than 40% of their work
  • Accounts performing work as a General Contractor or Paper Contractor
  • Accounts performing work on new tract housing and new condo projects
  • Contractors providing work within New York City’s 5 Boroughs

Minimum Package Premium

  • $25,000

Lines of Business

  • General Liability – Premises and Operations (up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
  • Auto Liability & Physical Damage ($1M Combined Single Limit)
  • Property (limits up to $3M Total Insured Value)
  • Inland Marine (limits up to $3M)
  • Umbrella Liability
  • Workers’ Compensation (Statutory Limits)

Special Coverages

  • Blanket Additional Insured
  • Per Project Aggregate
  • Blanket Waiver of Rights
  • Primary Non-Contributory
  • Completed Operations
  • Employee Benefits Liability
  • Workers' Compensation (Statutory Limits)
  • Limited Jobsite Pollution Liability

Submission Requirements

  • Completed and signed ACORD applications
  • Completed and signed NIP HVACPro Supplemental
  • FEIN Number
  • 4 years of currently valued, hard copy loss runs for all lines of business being requested
Eligible States
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