Insurance for Plumbers, HVAC Businesses, and Electricians: Better Protection With Lower Costs
At Leavitt Group Northwest we help HVAC businesses, plumbing companies, and electrical contractors lower insurance costs while improving protection. From general liability to professional and auto coverage, our programs are built for real jobsite risks—water damage, fire, injury, and installation errors. We analyze your insurance policies for hidden costs and coverage gaps so your business stays protected, profitable, and compliant.
How HVAC, Plumbing, and Electrical Contractors Save on Insurance Costs
You work around the clock to deliver excellent service for your customers. We believe your insurance should work just as hard for you.
At Leavitt Northwest Insurance, we specialize in custom coverage for HVAC, plumbing, and electrical businesses. Our team helps contractors:
- Improve safety and lower claim frequency
- Reduce total insurance spend
- Protect assets, employees, and reputation
Whether you manage two trucks or a full crew, our approach helps you cut costs without cutting coverage.
Essential Insurance Coverage for HVAC Businesses, Plumbers, and Electricians
Your business has unique risks – water leaks, mold, property damage and fire. Here’s how we help you stay covered:
General Liability Insurance
For plumbers, electricians, and HVAC businesses, general liability insurance is the first line of defense. If a customer claims your work caused injury or property damage, general liability protects you.
Examples: A burst pipe floods a room, an HVAC leak damages drywall, or an electrical short sparks a fire. We help you recover quickly and keep projects on track.
Commercial Auto Insurance Coverage
From service vans to fleet trucks, your vehicles are vital to operations. Commercial auto insurance covers property damage, injuries, and tools or equipment in transit—keeping your business moving even after an accident.
Workers’ Compensation Insurance
Hot surfaces, confined spaces, ladders, or electrical exposure—every job carries risks. Workers’ comp covers medical bills, lost wages, and recovery support for injured employees, protecting both your crew and your company.
Professional Liability Insurance (Errors & Omissions)
Even skilled tradespeople make mistakes. A miswired circuit, faulty installation, or plumbing misdiagnosis can be costly. Professional Liability (E&O) covers claims of negligence or service errors—helping your business absorb unexpected losses.
What Factors Drive Your Insurance Costs?
Multiple factors can influence your premium calculation. Our experienced team will work with you to understand the most cost-effective situation for your business.
Business Location and Size
Scope of operations, number of employees and type of clients can increase exposure.
Claims History
Claims history plays a major role in determining insurance costs for plumbers, HVAC businesses, and electricians.
Coverage Limits
Higher limits offer more protection but can cost more.
Equipment Value
High-end tools and equipment rentals may increase property coverage needs.
Articles for HVAC, Plumbing, and Electrical Professionals
Explore our collection of practical, real-world articles created for HVAC, plumbing, and electrician business owners. Each piece offers insights from Rob, who works closely with owners like you to navigate risk, insurance, and business growth.
Meet Our Team
Our team are your partners in protection. Together we combine deep industry knowledge with personalized service to protect you from the unexpected. Contact us today to discuss a custom insurance program for your business.
Frequently Asked Questions
-
What insurance does a plumbing business need?
Most plumbing businesses need general liability insurance, workers’ compensation, commercial auto coverage, and often professional liability insurance. Plumbers insurance helps cover risks like water damage, property damage, jobsite injuries, and installation errors that can occur during everyday work.
-
How much does insurance for an HVAC business cost?
The cost of insurance for an HVAC business depends on factors like business size, number of employees, vehicles, claims history, and the type of services performed. Coverage can be tailored to manage risks such as refrigerant leaks, system failures, and property damage while keeping premiums competitive.
-
What type of insurance do electricians need?
Electrician insurance typically includes general liability, workers’ compensation, commercial auto, and professional liability coverage. This insurance helps protect against risks such as electrical fires, equipment damage, jobsite injuries, and claims related to wiring or installation errors.Can plumbers, HVAC businesses, and electricians lower their insurance costs?
-
Can plumbers, HVAC businesses, and electricians lower their insurance costs?
Yes. Service contractors can often lower insurance costs by improving safety practices, maintaining a clean claims history, bundling coverages, and working with an insurance advisor who specializes in plumbers insurance, HVAC insurance, and electrician insurance.
Get Your Custom Quote Today
Why spend hours getting quotes from multiple insurance companies when we can do it for you?
1 - Submit a Quick Contact Form.
Leave your contact information and details about your business. It only takes a minute, and we'll take it from there.
2 - We Reach Out to Learn More.
Rob will contact you to gather any more details he needs.
3 - We Shop the Market For You.
We contact multiple carriers and find the best match for your insurance need and budget.
4 - You Choose with Confidence.
We walk you through your top options, explain the fine print, and help you pick the right plan.
Request a Quote
We will not share or sell your information. It is used for quote purposes only.