Industries
Fleet & commercial auto insurance for HVAC & Mechanical Contractors
Service vans, install crews, and mechanical contractors with mixed fleets running maintenance agreements across a metro or region.
Vehicles we typically see
- Cargo and service vans
- Pickups with ladder racks and service bodies
- Box trucks for equipment delivery
- Crane or boom units for rooftop work
What underwriters focus on
- High-mileage service routes and seasonal peaks
- Many drivers, including newer technicians
- Take-home vehicles and on-call rotations
- Commercial maintenance contracts with specific insurance requirements
Coverage worth reviewing
- Driver qualification standards that underwriters can see in writing
- Hired and non-owned auto
- Contract-driven limits, additional insured, and waiver of subrogation
- Umbrella or excess limits
- Telematics or fleet-monitoring programs, where a market gives credit for them
Where we fit. We work best with established hvac & mechanical businesses running several vehicles — often 5 to 50 — with current commercial auto coverage and a renewal coming up. Eligibility depends on the operation and the insurance companies involved.
Questions fleet owners ask
Do underwriters care about our summer seasonal hires?
Yes. Underwriters look at who is driving. Having a written process for checking motor vehicle records before anyone drives a company vehicle, including seasonal staff, helps the account.
Ready for a serious look at your fleet program?
Start with what you have. We’ll tell you what we need next.