Heating, ventilation, and air conditioning contractors handle some of the most technical and demanding jobs in the trades. Whether you’re servicing residential systems, installing commercial units, or maintaining industrial equipment, your work comes with serious risks — from refrigerant leaks and electrical hazards to job-site injuries and property damage.
At Sharp Insurance & Financial Services, we help HVAC contractors across Kentucky, Ohio, and West Virginia — including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston — find the right insurance to protect their work, tools, vehicles, and employees. Whether you focus on residential installs or large-scale commercial systems, we’ll make sure your business is covered from every angle.
HVAC contractors face specialized risks — from handling pressurized systems to transporting expensive tools and materials. Our tailored policies are built to safeguard your business from costly claims, equipment loss, or job-site accidents.
Protects against claims of property damage or bodily injury, such as refrigerant leaks, water damage, or accidents that occur while working on-site.
Covers service vans, trucks, and trailers used for transporting tools, equipment, and employees to customer locations.
Provides coverage for medical bills and lost wages if a technician is injured while lifting heavy equipment, working in attics, or handling refrigerants.
Protects your office, warehouse, or shop — along with your inventory and parts — from fire, theft, vandalism, or storm damage.
Covers your HVAC tools, gauges, compressors, recovery machines, and diagnostic equipment against theft, fire, or accidental damage — whether in transit or at a job site.
Covers claims related to improper installation, system failure, or design errors that result in financial loss for a client.
Adds extra protection beyond your existing liability limits, helping cover large or unexpected claims.
Helps you attract and retain skilled employees while protecting their well-being. We offer group health, dental, vision, and life insurance options for plumbing businesses of all sizes.
We’re here to help protect your HVAC business and your employees. At Sharp Insurance & Financial Services, we proudly serve Kentucky, Ohio, and West Virginia, offering expert local support and insurance solutions you can trust.
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
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