{
 "name": "CoilDesk HVAC Insurance Premium Index",
 "title": "HVAC Insurance Premium Index",
 "url": "https://coildesk.com/datasets/hvac-insurance-premium-index/",
 "csv": "https://coildesk.com/datasets/hvac-insurance-premium-index.csv",
 "markdown": "https://coildesk.com/datasets/hvac-insurance-premium-index/index.md",
 "computed_at": "2026-10-05",
 "license": "https://coildesk.com/terms",
 "headline": "The median published figure in the HVAC Insurance Premium Index is 76 USD across 5 sources' own pages (range 37 to 101 USD), read 12 September 2026.",
 "quotes": [
  "The median published figure in the HVAC Insurance Premium Index is 76 USD across 5 sources' own pages (range 37 to 101 USD), read 12 September 2026.",
  "5 of the 28 named sources read in full publish a figure; 22 publish none, read 12 September 2026."
 ],
 "citation": "\"CoilDesk HVAC Insurance Premium Index\", updated 2026-10-05, https://coildesk.com/datasets/hvac-insurance-premium-index/.",
 "changed_since": null,
 "national": {
  "unit": "USD",
  "n": 5,
  "median": 76,
  "min": 37,
  "max": 101,
  "p25": 46,
  "p75": 89.5,
  "mean": 69.4,
  "units": {
   "USD": 5
  },
  "published_sources": 5,
  "named_sources": 31,
  "read_sources": 28,
  "not_published": 22,
  "published_share": 0.179
 },
 "by_axis": {},
 "rows": [
  {
   "source": "NEXT Insurance: cost",
   "url": "https://www.nextinsurance.com/business/hvac-insurance/cost/",
   "figure": "$76 ",
   "value": 76,
   "unit": "USD",
   "vat": null,
   "axis": {},
   "retrieved_at": "2026-09-12",
   "quote": "General liability insurance costs 78% of our customers $76 on average per month.",
   "source_class": "primary-provider-own-site",
   "text_sha256": "b1b1a2f771ae13389d3a51c935f03d2dc47b765d6493fb550485461c9229ac53"
  },
  {
   "source": "insureon.com",
   "url": "https://www.insureon.com/installation-business-insurance/hvac-installation/cost",
   "figure": "$101 ",
   "value": 101,
   "unit": "USD",
   "vat": null,
   "axis": {},
   "retrieved_at": "2026-09-12",
   "quote": "HVAC installation contractors pay an average of $101 per month, or $1,213 annually, for general liability insurance, sometimes called public liability insurance.",
   "source_class": "primary-provider-own-site",
   "text_sha256": "b6634db2882d9ffde4431ac84ccf9918ceb874721cfca41010ec47655a9d2dcd"
  },
  {
   "source": "TechInsurance: cost",
   "url": "https://www.techinsurance.com/construction-insurance/hvac-contractor/cost",
   "figure": "$78 ",
   "value": 78,
   "unit": "USD",
   "vat": null,
   "axis": {},
   "retrieved_at": "2026-09-12",
   "quote": "HVAC contractors spend an average of $78 per month, or $941 per year, for general liability insurance.",
   "source_class": "primary-provider-own-site",
   "text_sha256": "04b0e7f64301639d90ee80eb335d27f7eed6ab43326e4089d31e2d152d76e6ab"
  },
  {
   "source": "Simply Business: cost",
   "url": "https://www.simplybusiness.com/business-insurance/hvac-contractor-insurance/cost/",
   "figure": "$55 ",
   "value": 55,
   "unit": "USD",
   "vat": null,
   "axis": {},
   "retrieved_at": "2026-09-12",
   "quote": "Insurance Policy Median Monthly Cost Median Annual Cost General liability $55 $662",
   "source_class": "primary-provider-own-site",
   "text_sha256": "d448504bcfca8209fc417fabea1f779b016317e1b265087925be01d58f7075be"
  },
  {
   "source": "General Liability Insure: hvac contractor insurance",
   "url": "https://generalliabilityinsure.com/small-business/hvac-contractor-insurance.html",
   "figure": "$37 ",
   "value": 37,
   "unit": "USD",
   "vat": null,
   "axis": {},
   "retrieved_at": "2026-09-12",
   "quote": "The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small HVAC contracting businesses ranges from $37 to $59 per month based on location, size, payroll, sales and experience.",
   "source_class": "primary-provider-own-site",
   "text_sha256": "8bd7250582e52be5ecb95be35a0df2f1f7a0d5f99dba973eacf477e7b0ffac50"
  }
 ],
 "not_published": [
  {
   "source": "Construction Coverage: cost",
   "url": "https://constructioncoverage.com/insurance/general-liability/cost",
   "retrieved_at": "2026-09-11",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Tivly: hvac insurance",
   "url": "https://tivly.com/hvac-insurance",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Grit Insurance: hvac contractor insurance cost",
   "url": "https://gritinsurance.com/blog/hvac-contractor-insurance-cost",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Insuranceopedia: hvac contractor insurance cost",
   "url": "https://www.insuranceopedia.com/business-insurance/hvac-contractor-insurance-cost",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "MoneyGeek: hvac",
   "url": "https://www.moneygeek.com/insurance/business/contractor/hvac/",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "NEXT Insurance: hvac insurance",
   "url": "https://www.nextinsurance.com/business/hvac-insurance/",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Small Biz Handbook: hvac",
   "url": "https://smallbizhandbook.com/insurance/industry/hvac",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "FieldCamp: business insurance",
   "url": "https://fieldcamp.ai/hvac-software/business-insurance/",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Wexford Insurance: hvac business insurance cost 2026",
   "url": "https://www.wexfordins.com/post/hvac-business-insurance-cost-2026",
   "retrieved_at": "2026-09-12",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "BizInsuranceCompare: hiscox",
   "url": "https://www.bizinsurancecompare.com/carriers/hiscox",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "ServiceAgent: hvac insurance cost",
   "url": "https://serviceagent.ai/blogs/hvac-insurance-cost/",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "MoneyGeek: hiscox review",
   "url": "https://www.moneygeek.com/insurance/business/hiscox-review/",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "BizInsuranceCompare: the hartford",
   "url": "https://www.bizinsurancecompare.com/carriers/the-hartford",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "MoneyGeek: the hartford review",
   "url": "https://www.moneygeek.com/insurance/business/the-hartford-review/",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Insureon: cost",
   "url": "https://www.insureon.com/small-business-insurance/general-liability/cost",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "TechInsurance: cost",
   "url": "https://www.techinsurance.com/general-liability-insurance/cost",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Simply Business: cost",
   "url": "https://www.simplybusiness.com/business-insurance/general-liability-insurance/cost/",
   "retrieved_at": "2026-09-12",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "The Hartford: contractors insurance",
   "url": "https://www.thehartford.com/business-insurance/contractors-insurance",
   "retrieved_at": "2026-09-12",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Nationwide: contractors",
   "url": "https://www.nationwide.com/business/insurance/contractors/",
   "retrieved_at": "2026-09-12",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "State Farm: contractors",
   "url": "https://www.statefarm.com/small-business-solutions/insurance/contractors",
   "retrieved_at": "2026-09-12",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Farmers: contractors insurance",
   "url": "https://www.farmers.com/business/contractors-insurance/",
   "retrieved_at": "2026-09-12",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Insurance Canopy: contractors insurance",
   "url": "https://www.insurancecanopy.com/contractors-insurance",
   "retrieved_at": "2026-09-12",
   "reason": "read in full and no accepted figure on the page"
  }
 ],
 "sources": [
  {
   "url": "https://www.nextinsurance.com/business/hvac-insurance/cost/",
   "label": "NEXT Insurance: cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.insureon.com/installation-business-insurance/hvac-installation/cost",
   "label": "Insureon: cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.techinsurance.com/construction-insurance/hvac-contractor/cost",
   "label": "TechInsurance: cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.simplybusiness.com/business-insurance/hvac-contractor-insurance/cost/",
   "label": "Simply Business: cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://constructioncoverage.com/insurance/general-liability/cost",
   "label": "Construction Coverage: cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://tivly.com/hvac-insurance",
   "label": "Tivly: hvac insurance",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://gritinsurance.com/blog/hvac-contractor-insurance-cost",
   "label": "Grit Insurance: hvac contractor insurance cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.insuranceopedia.com/business-insurance/hvac-contractor-insurance-cost",
   "label": "Insuranceopedia: hvac contractor insurance cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.moneygeek.com/insurance/business/contractor/hvac/",
   "label": "MoneyGeek: hvac",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.nextinsurance.com/business/hvac-insurance/",
   "label": "NEXT Insurance: hvac insurance",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.trustedchoice.com/business-insurance/industries/hvac/",
   "label": "TrustedChoice: hvac",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://generalliabilityinsure.com/small-business/hvac-contractor-insurance.html",
   "label": "General Liability Insure: hvac contractor insurance",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://smallbizhandbook.com/insurance/industry/hvac",
   "label": "Small Biz Handbook: hvac",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://fieldcamp.ai/hvac-software/business-insurance/",
   "label": "FieldCamp: business insurance",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.wexfordins.com/post/hvac-business-insurance-cost-2026",
   "label": "Wexford Insurance: hvac business insurance cost 2026",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.bizinsurancecompare.com/carriers/hiscox",
   "label": "BizInsuranceCompare: hiscox",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://serviceagent.ai/blogs/hvac-insurance-cost/",
   "label": "ServiceAgent: hvac insurance cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.moneygeek.com/insurance/business/hiscox-review/",
   "label": "MoneyGeek: hiscox review",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.bizinsurancecompare.com/carriers/the-hartford",
   "label": "BizInsuranceCompare: the hartford",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.moneygeek.com/insurance/business/the-hartford-review/",
   "label": "MoneyGeek: the hartford review",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.insureon.com/small-business-insurance/general-liability/cost",
   "label": "Insureon: cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.techinsurance.com/general-liability-insurance/cost",
   "label": "TechInsurance: cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.simplybusiness.com/business-insurance/general-liability-insurance/cost/",
   "label": "Simply Business: cost",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.progressivecommercial.com/business-insurance/general-liability-insurance/",
   "label": "Progressive Commercial: general liability insurance",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.thehartford.com/business-insurance/contractors-insurance",
   "label": "The Hartford: contractors insurance",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.nationwide.com/business/insurance/contractors/",
   "label": "Nationwide: contractors",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.erieinsurance.com/business-insurance/contractors",
   "label": "Erie Insurance: contractors",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.statefarm.com/small-business-solutions/insurance/contractors",
   "label": "State Farm: contractors",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.farmers.com/business/contractors-insurance/",
   "label": "Farmers: contractors insurance",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.insurancecanopy.com/contractors-insurance",
   "label": "Insurance Canopy: contractors insurance",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.insureon.com/installation-business-insurance/hvac-installation/cost",
   "label": "insureon.com",
   "license": "the publisher's own terms; quoted for reporting and comment"
  }
 ],
 "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 5 of the 28 named sources that could be read published a usable figure; 22 published none and are recorded as not published, never filled in; 3 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in USD (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 227 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the average and median monthly premium per coverage type as each carrier and broker publishes it for the HVAC class, beside the same carrier's all-trades average - the premium PENALTY the HVAC class carries, which no carrier states - with the count publishing an HVAC-specific figure at all, the policy limits each average assumes, and changed-since",
 "embed": "<figure style=\"margin:0;padding:16px;border:1px solid #d9d9d9;border-radius:8px;background:#ffffff;color:#111111;font-family:system-ui,sans-serif;max-width:480px\"><p style=\"margin:0 0 8px;font-size:28px;font-weight:700;color:#111111;background:#ffffff\">76 USD</p><p style=\"margin:0 0 8px;font-size:14px;color:#111111;background:#ffffff\">median published figure, HVAC Insurance Premium Index, across 5 sources, read 12 September 2026</p><figcaption style=\"font-size:12px;color:#444444;background:#ffffff\"><a href=\"https://coildesk.com/datasets/hvac-insurance-premium-index/#median\" style=\"color:#1a4fd6;background:#ffffff\">Source: CoilDesk HVAC Insurance Premium Index</a></figcaption></figure>"
}