HVAC Contractors Insurance | Jeffrey & Spence

Partners with Over 15 of the Most Reputable Insurance Companies in Canada

“So over the moon happy with these guys. I was a first-timer today, extremely nervous about taking another step toward “adulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Whereas other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million, Dave.”

— J. Indoe

“The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally, there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call.”

— C. Pavao

“Jason was great to work with – very prompt, communicative, and helpful. I managed to find the best deal for my auto insurance thanks to his help. I had initially tried calling another broker but they didn’t pick up so I called this company and am glad I did. Highly recommend!”

— E. Nip

Why HVAC Contractors Insurance Is Essential

As an HVAC contractor, you provide essential services to your clients, ensuring their homes and businesses stay comfortable and operable. However, while you work hard to deliver exceptional service, unforeseen events can still occur. HVAC contractors insurance is essential to protect your business from potential financial losses due to accidents, property damage, or liability claims. By having the right coverage, you can focus on what you do best, providing top-quality HVAC solutions.

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Types of HVAC Contractors Insurance Policies

HVAC contractors insurance policies typically include several types of coverage to address the unique risks associated with the industry:

General Liability Insurance: Protects against claims related to third-party injuries or property damage.
Professional Liability Insurance: Covers legal defense costs and potential damages arising from claims of negligence, errors, or omissions in your work.
Tools and Equipment Coverage: Insures your valuable tools and equipment against theft, vandalism, or damage.
Commercial Auto Insurance: Covers work-related vehicles for liability and physical damage.
Workers’ Compensation: Provides financial protection for medical expenses and lost wages in the case of work-related injuries to employees or subcontractors.

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Custom Coverage Designed for You and Your Business

At Jeffery & Spence, we know that every HVAC contractor has unique needs and challenges. That’s why we take the time to get to know your business and tailor an insurance solution to fit your specific requirements. With our customized coverage, you can have peace of mind knowing your business is protected, allowing you to focus on delivering exceptional HVAC services.

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Additional Contractor Insurance Coverage

The Jeffery & Spence team are true professionals who are dedicated to making sure you have an awesome experience. Working with their team has been great and I would highly recommend them to anyone! 10/10 - keep up the great work Jeffery & Spence.read more

Ryan Vielma

21:03 15 Feb 19

My family and I have been insured through Jeffery and Spence for 14 years, and we will all always be loyal clients to this wonderful brokerage.read more

Ashlean Richardson

17:50 27 Nov 18

Have been with them for ages and wouldn't hesitate to recommend them to anyone. I have also gladly referred friends to them and they have taken good care of them as well!read more

Jason Shaw

20:38 02 Jan 18

شركة تامين لا باس

Ali SIDO

03:57 11 Feb 19

unbelievable service, literally saved a client of mine from a major catastrophe, highly recommend. Kyla was amazing

Andra Arnold

17:19 18 Apr 19

Excellent Customer service and communications, staff here makes me feel like part of the J&F family, highly recommend!

Rain Zhang

14:21 29 May 19

Excellent Customer service and communications, staff here makes me feel like part of the Jeffery&Spence family, highly recommend!read more

Rain Zhang

14:39 29 May 19

Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.

Brock Parker

16:03 27 Jun 19

Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.

Brock Parker

16:03 27 Jun 19

Ashlean made shopping for insurance so easy and stress free! From start to finish she was courteous and professional, listened to our needs and communicated with us every step of the way, all while finding us the best ratesread more

Chloe McKnight

22:42 22 Jul 19

The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage and at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call....even if your not from Guelph!read more

Corey Pavao

13:59 23 Oct 19

So over the moon happy with these guys. Specifically Dave. I was a first timer today, extremely nervous about taking another step toward “audulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Where as other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million Dave.read more

Jaymee Indoe

18:55 21 Nov 19

Ashlean is so great to work with and she makes insurance easily accessible. I love all of the work they do in the community too. Check them out!!!read more

Heather Smart

16:41 01 Dec 19

Awesome service! Jeffrey helped me find a solution for my insurance ASAP after I had such a poor experience with my previous insurer.read more

Jennifer A-M

04:25 04 Dec 19

Expedient, professional and tailored to my needs. Highly recommend.

Annie Wong

15:38 10 Dec 19

Met with Dave Jutzi and he was an absolute pleasure to work with! He created a plan to MY needs and MY budget! No pressure on me whatsoever and he really looked out for my best interest. If you're looking for extremely affordable auto and home insurance, DEFINITELY go see Dave!read more

Simon McGhee

16:38 21 Jan 20

My only regret was not calling them sooner. Ashlean Richardson went above and beyond for my company. I felt like they took me and my time very seriously and I appreciated that. Would highly recommend to my friends and family.read more

Kevin Wilkins

13:40 14 Apr 20

Ashlean was great to work with she was very helpful and prompt with all her responses; she was able to make a stressful situation go by very smoothlyread more

Haily Rice

16:09 29 May 20

Been with Jeffery & Spence nearly 50 years and they have looked after all my insurance needs in a very professional manner. Hope to be with them another 50 years but at 83 y.o. that's not likely to happen.read more

Mario Bonifacio

13:18 19 Jul 21

Excellent company to work with! Geoff is professional, patient, and responded immediately to my needs.

Debbie Bianchi

12:26 21 Aug 21

Great service, quick response and best rates. Excellent job Jason DiReto 👏.

Asaad Yousiph

13:23 06 Jul 21

I wish I had found this broker earlier than I did. They make dealing with insurance such an easy and seamless experience. We are fortunate to work with Geoff; after every interaction with him, we always talk about how lucky we are to have him take care of our insurance needs. 5 stars all the way!read more

Luis Ribeiro

20:43 08 Oct 20

Great company to work with! We had just moved to the country and had no insurance history in Canada. Jason helped us figure out the system and find the insurance we needed at a reasonable price. Everyone at the brokerage was kind, responsive, and great to talk to.read more

Alana Lund

12:37 22 Aug 22

Steve has been absolutely awesome to deal with! His communication skills are top notch and made getting insurance super easy. So glad I went with J&S!read more

Noah Olfert

20:01 30 Aug 22

If you need an insurance company , I highly recommend Jeffrey and Spence! Great service and prices

Valerie Schuett

20:14 11 Aug 22

Dawn is my hero, she has gone above and beyond any of my expectations, and made every insurance renewal a piece of cake! Highly recommend!!!read more

Ty S

12:58 18 Aug 22

I had a very good experience taking out and cancelling policies with them. Jason came up with the best rates I could find in a no-nonsense manner, and Dina promptly helped me with the processing including the early cancellations & refund when I left the country earlier than expected.read more

K. Kevin Wang

11:17 10 Feb 22

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HVAC Contractors Insurance in Ontario FAQs

Do HVAC contractors need insurance in Ontario?

Yes. HVAC contractors in Ontario should have insurance to protect their business from potential financial losses resulting from accidents, property damage, or liability claims.

Is workers’ compensation mandatory for HVAC contractors in Ontario?

Yes. If you have employees, workers’ compensation is mandatory for HVAC contractors in Ontario. This coverage provides protection for employees who suffer work-related injuries or illnesses.

What is the difference between general liability and professional liability insurance for HVAC contractors?

General liability insurance covers third-party bodily injury and property damage claims, while professional liability insurance protects HVAC contractors against claims related to errors or negligence in the services they provide.

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