HVAC Program

HVAC Program

Posted on by gwt-alex

The TPG HVAC program is developed specifically for contractors that design, build and service heating, cooling, and ventilation systems, so you can get the right coverage with great rates.

The program is underwritten by an AM Best A Rated carrier (Financial Size X), and provides all-lines coverage with the special coverage enhancements that you need, including Blanket Additional Insured, Per Project Aggregate, Blanket Waiver of Rights, Primary Non-Contributory, Completed Operations, and more.

Program Highlights

  • ISO-Based, Admitted Package Product
  • AM Best A Rated (Excellent) Carrier, Financial Size XIII
  • Highly Competitive Rates
  • Superior Customer Service

Eligible Exposures

  • AC Systems, Refrigeration Systems, Heating or HVAC Sales, Installation, Service, Repair, Sheet Metal Contractors
  • Eligible States: Program is admitted in all states and can currently be written in 45 states (Exceptions: AK, HI, ID, MT, and NYC’s 5 Boroughs)
  • New Class Eligibilities (Contact Us for more info)
    • 91111
    • 98884
    • 58922
HVAC Program - TPG HVAC Insurance | TPG Insurance Services

Ineligible Exposures:

  • Accounts subcontracting more than 40% of their work
  • Accounts performing work as a General Contractor or Paper Contractor
  • Accounts performing work on new tract housing and new condo projects
  • Contractors providing work within New York City’s 5 Boroughs

Minimum Package Premium

  • $50,000

Lines of Business

  • General Liability (limits up to $1M per occurrence/$2M aggregate)
  • Auto Liability ($1M Combined Single Limit)
  • Property, including Equipment Breakdown (limits up to $15M per location)
  • Product Liability (limits up to $3M Total Insured Value)
  • Inland Marine (limits up to $3M)
  • Workers’ Compensation (Statutory Limits)
  • Umbrella Liability

Special Coverages

  • Blanket Additional Insured
  • Blanket Waiver of Rights
  • Primary Non-Contributory
  • Completed Operations
  • Employee Benefits Liability
  • Workers’ Compensation (Statutory Limits)

*TPG currently offers 18 programs through its Partnership with NIP Programs. NIP holds all Trademarks on their specialty programs (i.e. GlassPro®). In addition to NIP, TPG uses its 300+ Carrier Market reach to identify the best solutions for its clientele.