California · HVAC & plumbing
HVAC & plumbing insurance in California
General liability with completed-operations, workers’ comp, commercial auto, and an installation floater for materials in transit and on site. We place California HVAC and plumbing contractors — including water-damage and hot-work exposure standard markets shy from.
HVAC contractors hold a CSLB C-20 license and plumbers a C-36; both carry the $25,000 contractor bond.
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Why Setpoint for HVAC & plumbing?
We cover the water-damage and faulty-workmanship exposure that sinks generic plumbing and HVAC policies after a leak claim.
Independent and specialty-focused — we shop the surplus lines markets retail agents can’t reach directly.
Completed-operations coverage written so a callback failure months later is still defended.
Common questions
Frequently asked questions
What insurance does an HVAC or plumbing contractor need in California?
These trades typically carry general liability with completed-operations, workers’ compensation, commercial auto, and an installation floater for equipment and materials before they’re accepted. Water-damage and refrigerant/pollution exposure mean the exclusions matter as much as the limits.
Does an HVAC or plumbing contractor need workers’ comp in California?
Yes if you have employees, and SB 216 requires workers’ compensation as of January 1, 2026 for CSLB-licensed contractors (C-20 HVAC, C-36 plumbing) even with no employees. HVAC was among the classifications phased in earliest.
Does the policy cover water damage from a plumbing job?
Water damage from your work can be covered under general liability, but "your work" and faulty-workmanship exclusions often limit it, and resulting damage versus the defective part are treated differently. We check the wording so an escape-of-water claim isn’t denied on a technicality.
What is an installation floater and do I need one?
An installation floater covers HVAC units, water heaters, and materials while in transit and after installation but before the customer accepts them — a gap general liability and the customer’s property policy both leave open. For equipment-heavy installs it’s usually worth carrying.
How much does HVAC or plumbing insurance cost in California?
Premium is driven by payroll, residential versus commercial mix, the share of new construction, hot-work and refrigerant handling, and your loss history. Service-only shops and new-construction installers price differently, so an accurate operations description is what produces a fair quote.
Other trades we cover
See all industries we insure or the coverage we place.
Tell us about your operation
Send a few details about your business and where you are in your policy term. Non-renewed or post-claim? That's our specialty — it won't shock us.