Insurance for HVAC, Plumbers and Electricians: Better protection with lower costs
At Leavitt Group Northwest we help HVAC, plumbing, 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 policies for hidden costs and coverage gaps so your business stays protected, profitable, and compliant.
Driving Down Costs: How Service Contractors Save on Insurance
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 Coverages For HVAC, Plumbers & Electricians
Your business has unique risks – water leaks, mold, property damage and fire. Here’s how we help you stay covered:
General Liability Insurance
Your 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 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
A clean record can lead to lower rates.
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.
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.
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