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Centered Partners | HVAC Industry Insurance
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Built by HVAC Industry Operators

Your Insurance Broker Doesn’t Know
What’s on the Roof

We’ve built and scaled HVAC platform companies, completed multiple acquisitions in the space, and operated across residential, commercial, and distribution. Now we’re applying that operating experience to fix what’s broken in HVAC insurance. If your premiums don’t match your actual risk, we should talk.

See If You Qualify → Why This Is Different
Multiple
HVAC Platform Acquisitions
Full Chain
Install • Service • Parts
Operators
Not Just Brokers
Decades
Inside the Trades
You Already Know This

The Insurance Market Wasn’t Built for HVAC Companies

Your broker lumps you in with general contractors and plumbers. They don’t understand the difference between a residential change-out and a commercial rooftop install, between a parts distributor and a service fleet. We do — because we’ve operated in every segment.

💰
Lumped In With Everyone Else
HVAC contractors get classified alongside general mechanical trades. That misclassification inflates your GL, workers’ comp, and auto premiums — every single renewal.
⚠️
Refrigerant & Environmental Gaps
R-410A phase-downs, refrigerant handling liability, EPA compliance exposure — the environmental risks specific to HVAC are exactly the ones standard policies ignore.
💻
Fleet Risk Misunderstood
Your techs drive service vans loaded with tools, parts, and refrigerant every day. Most carriers price your fleet like a delivery company, not a skilled trade operation.
📈
Growth Without Coverage Strategy
Adding locations, acquiring competitors, expanding into commercial — your risk profile is evolving faster than your policy. We know how to keep coverage ahead of growth.
What We Bring

Insurance Designed by People Who’ve Built HVAC Companies

This isn’t a mechanical contractor policy with an HVAC endorsement bolted on. It’s a fundamentally different approach — built by people who’ve scaled HVAC platforms across installation, service, parts distribution, and manufactured housing.

🛡
Coverage That Matches Your Operations
From residential installs and service agreements to commercial rooftop units and parts distribution — one program designed for how HVAC businesses actually run.
💰
Proper Classification, Better Rates
We understand your payroll splits between install and service, your seasonal workforce patterns, your fleet composition. Precision underwriting means premiums that reflect reality.
♻
Environmental Liability Addressed
Refrigerant handling, EPA compliance, environmental remediation exposure — we structure coverage for the regulatory risks that keep HVAC operators up at night.
🎯
Service Agreement Liability
Maintenance contracts create long-tail completed operations exposure. We understand how service agreements create risk and build coverage that properly addresses it.
📊
Workers’ Comp That Makes Sense
Rooftop work, confined spaces, electrical exposure, refrigerant handling — we place workers’ comp with carriers who understand HVAC-specific hazards and price fairly.
🤝
M&A and Growth Advisory Built In
Acquiring a competitor? Rolling up a territory? We’ve done it ourselves in HVAC. We structure coverage to support growth — and can advise on the deals themselves.
Scope

Every Exposure Point. One Team.

From the rooftop to the service van, from the parts warehouse to the customer’s home — we’ve mapped the full HVAC risk profile and built a program to cover all of it.

✓
General Liability & Completed Operations
✓
Workers’ Compensation
✓
Commercial Auto & Fleet
✓
Umbrella / Excess Liability
✓
Tools & Equipment / Inland Marine
✓
Pollution / Environmental Liability
✓
Installation Floater / Builders Risk
✓
Property & Business Interruption
✓
Cyber Liability
✓
Employment Practices Liability
✓
Product Liability (Parts & Equipment)
✓
Surety & Performance Bonds
Who’s Behind This

HVAC Operators. Insurance Architects. One Team.

This program was designed by a team that has built and scaled HVAC platform companies — from residential installation and service to commercial systems, parts distribution, and manufactured housing HVAC. We’ve completed multiple acquisitions in the space and operated across the full value chain. We don’t just insure HVAC companies. We’ve built them.

Meet the Team →
The Process

Straightforward. Confidential. No Obligation.

Share Your Basics
Fill out the form below with your key exposure information. No detailed applications, no loss runs, no obligation. Just enough for us to understand your operation.
Confidential Review
Our team — people who’ve actually built HVAC companies — will review your information and identify where your current coverage may be falling short or overcharging.
Custom Assessment
We’ll walk you through a tailored analysis of your specific exposures, coverage gaps, and where we see opportunity — in language HVAC people speak.
Your Decision
No pressure. You’ll have a clear comparison against your current program and the information you need to make the best decision for your business.
Confidential
Let’s Look at Your Coverage
Share some basics about your operation and we’ll show you what a program designed by HVAC industry insiders looks like for a company like yours.
  • No applications, no loss runs, no obligation
  • Confidential — your information stays between us
  • Response within 48 hours
  • Designed for contractors, distributors & service providers
  • Built by people who’ve operated in this industry
Tell Us About Your Operation
Your Information

About Your Operation

Loss & Claims History
Have you experienced any losses or insurance claims in the last 5 years? *
That’s okay — claims don’t disqualify you. Please share a few details below so we can understand your situation. No loss runs needed at this stage.

Workers’ Comp Details

Confidential inquiry. No obligation. No spam. We’ll respond within 48 hours.
Centered Partners
HVAC industry insurance by people who’ve built HVAC companies.
info@centeredpartners.com  |  centeredpartners.com

© 2026 Centered Partners. All rights reserved. Confidential.
✓
We’ve Received Your Information
Thank you. A member of our team — someone who’s actually built and operated HVAC companies — will review your details and be in touch within 48 hours with a custom assessment.
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