HVAC & Mechanical Contractor Insurance
Because "It Was Working When I Left" Isn't a Risk Management Plan.
As an HVAC professional in the Pacific Northwest, you’re the hero of every heatwave and the savior of every deep freeze. But between high-voltage wiring, pressurized refrigerants, and heavy equipment hanging over expensive flooring, your job is a literal pressure cooker of liability.
At Hood Insurance Agency, we know that a single brazing spark or a forgotten condensate line can turn a profitable install into a legal nightmare. Our "Wolf Pack" is built to defend Lynnwood’s mechanical contractors—because we hunt for the risks so you can focus on the airflow.
Why HVAC Professionals Need "High-Performance" Coverage
A standard general liability policy is like a clogged filter—it restricts your business's potential. We specialize in the "heavy lifting" coverages that mechanical contractors actually need:
1. General Liability (The "Total System" Shield)
You’re working in crawlspaces and attics. If a torch sets a joist smoldering or a unit falls through a ceiling, General Liability is your primary defense. We ensure your limits satisfy the most demanding commercial GCs in Snohomish County.
2. Pollution & Refrigerant Liability
Standard liability often has a "Pollution Exclusion." If a refrigerant leak occurs or you're accused of improper disposal, you could be left out in the cold. We add specialized Pollution Liability to ensure your "green" mistakes don't lead to "red" balance sheets.
3. Professional Liability (The "Design-Build" Defense)
If you're designing ductwork layouts or specifying unit sizes, you're providing professional advice. If that system fails to heat or cool the space properly, you can be sued for Professional Negligence. We protect your expertise as much as your equipment.
4. Inland Marine (Tool & Inventory Coverage)
Your van is a mobile warehouse filled with thousands of dollars in recovery pumps, gauges, and inventory. Inland Marine coverage ensures that if your "wolf cave on wheels" is broken into, you’re back in business before the next service call.
Closing the "Washington Gap"
In our state, L&I handles the broken bones, but it doesn't handle the lawsuits. Our Washington Stop-Gap coverage is the Alpha of your policy, protecting you if an injured employee sues your business for a "negligent" workspace. In the mechanical trades, this isn't just an add-on; it's your survival gear.
The Pack Moves at 1,200 CFM
Need a Certificate of Insurance for a 7:00 AM job in Edmonds?
Need to prove "Completed Operations" for a big Everett project?
The Pack is responsive. We turn around paperwork with the speed and precision your business demands.
Don't Let Your Coverage Freeze Up
Is your current policy actually protecting your specific mechanical risks, or is it just a "box-checker"? Let the Hood Insurance Pack perform a "Pack Audit" on your current coverage. We'll find the leaks in your liability before the inspectors do.