NIP Programs is pleased to present HVACPro®, developed specifically for contractors that design, build and service heating, cooling, and ventilation systems, so we can get you the right coverage with great rates.

The program is underwritten by an A.M. Best “A Rated” carrier (Financial Size X), and provides all-lines coverage with the special coverage enhancements these HVAC contractors 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
  • A.M. Best “A Rated” (Excellent) Carrier, Financial Size XIII
  • Highly Competitive Rates
  • Superior Customer Service

Eligible Exposures

  • AC Systems, Refrigeration Systems, Heating or HVAC Sales, Install, 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  (Click any code for further information)

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 – Premises and Operations (up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate)
  • Auto Liability & Physical Damage ($1M Combined Single Limit)
  • Property (limits up to $3M Total Insured Value)
  • Inland Marine (limits up to $3M)
  • Umbrella Liability
  • Workers’ Compensation (Statutory Limits)

Special Coverages

  • Blanket Additional Insured
  • Per Project Aggregate
  • Blanket Waiver of Rights
  • Primary Non-Contributory
  • Completed Operations
  • Employee Benefits Liability
  • Worker’s Compensation (Statutory Limits)
  • Limited Jobsite Pollution Liability

Submission Requirements

  • Completed and signed ACORD applications and NIP HVACPro Supplemental
  • Complete description of operations
  • 3 years plus 1 current year of currently valued, hard copy loss runs for all lines of business being requested
  • MVRs for all drivers of company vehicles (if auto coverage requested)
  • Workers Compensation: Description of safety initiatives, hiring practices, return-to-work and drug testing programs; Experience Modification Worksheet and 3-5 year history (if available)
NIP Group, Inc. 900 Route 9 North | Suite 503 | Woodbridge, NJ 07095-1003 | 800.446.7647