Plumbing & HVAC Service Van Insurance

For plumbers, HVAC technicians and other trades, the service van is a rolling warehouse. It carries thousands of dollars in tools, parts and equipment and is on the road for every call. Pacific Southwest Insurance Services insures service vans and trucks for trade contractors, with coverage for the vehicle, the inventory inside and the work you perform at customers’ homes and businesses.

Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.

Who We Insure

We write plumbing & hvac service van coverage for businesses of every size, from a single vehicle to fleets of 10 or more. New ventures are welcome. Our clients include:

• Plumbing contractors
• HVAC and refrigeration technicians
• Electrical contractors
• Appliance repair companies
• Water heater and drain services
• Solar installers
• Pest control and home service companies

Coverage Options

• Commercial auto liability: Protects your business when a technician causes an accident.
• Physical damage: Collision and comprehensive for vans, including shelving, ladder racks and upfits.
• Tools, parts and inventory: Covers tools and stock carried in the van, including theft from the vehicle.
• General liability: Covers damage caused by your work, like water damage from a failed fitting.
• Hired and non-owned auto: Covers technicians using personal vehicles for work.
• Workers’ compensation and contractor license bonds: We can help with these too.

What Affects Your Premium

Every operation is different. Carriers typically look at:

• Number of vans and technicians
• Driver records and experience
• Value of tools and inventory carried
• Service area and radius
• Whether vans go home with technicians overnight
• Type of trade work
• Claims history

As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.

Why Choose Pacific Southwest Insurance Services

• Family-owned and serving California since 1965, now writing coverage nationwide
• Access to multiple commercial auto carriers, including markets for new businesses
• Fast certificates of insurance, additional insureds and filings
• One agency for your commercial auto, general liability, bonds and more
• A real person answers the phone and knows your account

Common Claims We See

• Van break-ins: Tools, copper and equipment are stolen from vans parked at job sites and at home.
• Water damage at customers’ homes: A failed fitting or water heater install can flood a home.
• Ladder rack failures: Ladders and pipe that come off roof racks can hit other vehicles.
• Commuting accidents: Technicians who take vans home put extra miles on the road.

Tips for Plumbing and HVAC Contractors

• Secure ladders and roof racks and check them before every trip.
• Use GPS tracking and locking shelving in your vans.
• Carry inland marine coverage for tools and equipment, and general liability for work at customers’ homes.

Frequently Asked Questions

Are the tools and parts in my van covered if it’s broken into?

Not by the auto policy alone. Tools and inventory coverage (inland marine) covers theft from the van. We’ll set a limit that matches what you carry.

My techs take the vans home at night. Does that matter?

Yes. Where vehicles are garaged affects the rate. We’ll list each van’s garaging address correctly.

Can you help with my CSLB contractor bond?

Yes. We write CSLB license bonds along with commercial auto and general liability.

Is equipment I’m carrying to a job covered?

Equipment and materials in transit can be covered with an inland marine or installation floater policy. Your auto policy covers the van, not what’s inside.

What if my work damages a customer’s home?

Damage you cause at a customer’s home, like a leak from a fitting, is covered by general liability, not your auto policy. We can bundle general liability with your vans.

Other Vehicles We Insure

• Pickup Truck Insurance
• Cargo Van & Sprinter Van Insurance
• Box Truck Insurance
• Dump Truck Insurance
• Food Truck Insurance
• Pump Truck Insurance
• Cherry Picker, Bucket & Lift Truck Insurance
• Flatbed Truck Insurance
• Stake Bed Truck Insurance
• Commercial SUV Insurance
• Landscaping Truck Insurance

Don’t see your vehicle? We insure most commercial vehicles, from pickups to long-haul tractors. See all commercial auto coverage.

Get a Plumbing & HVAC Service Van Insurance Quote

Tell us about your vehicles, drivers and operations and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.