Spreadsheet template
HVAC Quote Comparison Worksheet
Compare HVAC insurance quotes by coverage, limits, endorsements, exclusions, deductibles, and premium.
How to use this tool
This worksheet helps HVAC contractors compare insurance quotes by coverage type, limits, contract wording, exclusions, deductibles, and premium.
Who this is for
HVAC contractors reviewing two or three insurance quotes for general liability, auto, workers compensation, tools, umbrella, or pollution coverage.
When to use it
Use it after you receive quotes and before you choose a policy or ask for revised terms.
How to use it
Enter your business details, then fill each quote column with the carrier terms so you can compare the same insurance items side by side.
What you get
You get a spreadsheet with HVAC-specific rows for coverage types, limits, contract wording, exclusions, deductibles, rating details, and annual premium.
HVAC Quote Comparison Worksheet
Compare HVAC insurance quotes by coverage, limits, endorsements, exclusions, deductibles, and premium.
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Spreadsheet template
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You get a spreadsheet with HVAC-specific rows for coverage types, limits, contract wording, exclusions, deductibles, rating details, and annual premium.
Available as XLSX, CSV. The file uses the current field values.
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Spreadsheet preview
Updates as you type before download.
Spreadsheet preview
Updates as you type before download.
Comparison item
Business and quote date
What to compare
Business: ________________; State: ________________; Quote date: ________________
Quote 1
Carrier name, quote number, contact, and date
Quote 2
Carrier name, quote number, contact, and date
Quote 3
Carrier name, quote number, contact, and date
Comparison item
General liability
What to compare
Occurrence limit, aggregate limit, completed operations, and business description for HVAC work
Quote 1
Enter limits, key wording, deductible, and annual premium
Quote 2
Enter limits, key wording, deductible, and annual premium
Quote 3
Enter limits, key wording, deductible, and annual premium
Comparison item
Business owner's policy
What to compare
Whether liability and business property are packaged with shop, office, or inventory property
Quote 1
Enter property limit, covered locations, deductible, and annual premium
Quote 2
Enter property limit, covered locations, deductible, and annual premium
Quote 3
Enter property limit, covered locations, deductible, and annual premium
Comparison item
Commercial auto
What to compare
Covered vehicles, trailers, driver rules, hired auto, and non-owned auto if requested
Quote 1
Enter vehicle count, liability limit, physical damage terms, and annual premium
Quote 2
Enter vehicle count, liability limit, physical damage terms, and annual premium
Quote 3
Enter vehicle count, liability limit, physical damage terms, and annual premium
Comparison item
Workers compensation
What to compare
Payroll basis, employee classifications, employer's liability limits, and listed states
Quote 1
Enter payroll basis, class details, employer's liability limits, and annual premium
Quote 2
Enter payroll basis, class details, employer's liability limits, and annual premium
Quote 3
Enter payroll basis, class details, employer's liability limits, and annual premium
Comparison item
Tools and equipment
What to compare
Scheduled tools, blanket limit, theft terms, equipment in vans, and deductible
Quote 1
Enter covered tools, limit, deductible, theft terms, and annual premium
Quote 2
Enter covered tools, limit, deductible, theft terms, and annual premium
Quote 3
Enter covered tools, limit, deductible, theft terms, and annual premium
Comparison item
Umbrella or excess liability
What to compare
Limit above general liability, auto, and employer's liability; note contract request
Quote 1
Enter umbrella limit, underlying limits, exclusions, and annual premium
Quote 2
Enter umbrella limit, underlying limits, exclusions, and annual premium
Quote 3
Enter umbrella limit, underlying limits, exclusions, and annual premium
Comparison item
Pollution liability
What to compare
Refrigerant, mold, cleanup cost, indoor-air-quality, and jobsite pollution terms
Quote 1
Enter limit, covered operations, exclusions, deductible, and annual premium
Quote 2
Enter limit, covered operations, exclusions, deductible, and annual premium
Quote 3
Enter limit, covered operations, exclusions, deductible, and annual premium
Comparison item
Additional insured
What to compare
Which parties can be named and whether ongoing and completed operations are available
Quote 1
Enter available wording, form details, charge, and any limits
Quote 2
Enter available wording, form details, charge, and any limits
Quote 3
Enter available wording, form details, charge, and any limits
Comparison item
Waiver of subrogation
What to compare
Whether blanket or scheduled wording is offered and whether a separate charge applies
Quote 1
Enter blanket or scheduled wording, charge, and coverage lines affected
Quote 2
Enter blanket or scheduled wording, charge, and coverage lines affected
Quote 3
Enter blanket or scheduled wording, charge, and coverage lines affected
Comparison item
Primary and noncontributory
What to compare
Whether the quote can add this wording when the contract asks for it
Quote 1
Enter wording offered, coverage lines affected, charge, and limits
Quote 2
Enter wording offered, coverage lines affected, charge, and limits
Quote 3
Enter wording offered, coverage lines affected, charge, and limits
Comparison item
Per-project aggregate
What to compare
Whether general liability can add per-project aggregate wording for project contracts
Quote 1
Enter whether available, charge, form details, and any restrictions
Quote 2
Enter whether available, charge, form details, and any restrictions
Quote 3
Enter whether available, charge, form details, and any restrictions
Comparison item
Subcontractor conditions
What to compare
Certificate, additional insured, waiver, and insurance requirements for subcontractors
Quote 1
Enter certificate rules, required limits, endorsement rules, and audit notes
Quote 2
Enter certificate rules, required limits, endorsement rules, and audit notes
Quote 3
Enter certificate rules, required limits, endorsement rules, and audit notes
Comparison item
Exclusions to review
What to compare
Pollution, mold, refrigeration, design work, subcontractor, height, or operations restrictions
Quote 1
Enter exclusions that affect your HVAC work and any buyback options
Quote 2
Enter exclusions that affect your HVAC work and any buyback options
Quote 3
Enter exclusions that affect your HVAC work and any buyback options
Comparison item
Deductibles and retained amounts
What to compare
Deductible by coverage type and whether any self-insured retention applies
Quote 1
Enter deductible or retained amount for each coverage type
Quote 2
Enter deductible or retained amount for each coverage type
Quote 3
Enter deductible or retained amount for each coverage type
Comparison item
Rating details used
What to compare
Revenue, payroll, employees, vehicles, states, work split, subcontractors, and claims
Quote 1
Enter the business details the carrier used to price the policy
Quote 2
Enter the business details the carrier used to price the policy
Quote 3
Enter the business details the carrier used to price the policy
Comparison item
Total annual premium
What to compare
Annual premium for included coverages; list fees, taxes, and payment charges separately
Quote 1
Enter annual premium, taxes, fees, and payment plan charges
Quote 2
Enter annual premium, taxes, fees, and payment plan charges
Quote 3
Enter annual premium, taxes, fees, and payment plan charges
Comparison item
Follow-up questions
What to compare
Questions to ask before choosing a quote or requesting revised terms
Quote 1
Enter missing items, contract questions, and coverage changes to request
Quote 2
Enter missing items, contract questions, and coverage changes to request
Quote 3
Enter missing items, contract questions, and coverage changes to request
| Comparison item | What to compare | Quote 1 | Quote 2 | Quote 3 |
|---|---|---|---|---|
| Business and quote date | Business: ________________; State: ________________; Quote date: ________________ | Carrier name, quote number, contact, and date | Carrier name, quote number, contact, and date | Carrier name, quote number, contact, and date |
| General liability | Occurrence limit, aggregate limit, completed operations, and business description for HVAC work | Enter limits, key wording, deductible, and annual premium | Enter limits, key wording, deductible, and annual premium | Enter limits, key wording, deductible, and annual premium |
| Business owner's policy | Whether liability and business property are packaged with shop, office, or inventory property | Enter property limit, covered locations, deductible, and annual premium | Enter property limit, covered locations, deductible, and annual premium | Enter property limit, covered locations, deductible, and annual premium |
| Commercial auto | Covered vehicles, trailers, driver rules, hired auto, and non-owned auto if requested | Enter vehicle count, liability limit, physical damage terms, and annual premium | Enter vehicle count, liability limit, physical damage terms, and annual premium | Enter vehicle count, liability limit, physical damage terms, and annual premium |
| Workers compensation | Payroll basis, employee classifications, employer's liability limits, and listed states | Enter payroll basis, class details, employer's liability limits, and annual premium | Enter payroll basis, class details, employer's liability limits, and annual premium | Enter payroll basis, class details, employer's liability limits, and annual premium |
| Tools and equipment | Scheduled tools, blanket limit, theft terms, equipment in vans, and deductible | Enter covered tools, limit, deductible, theft terms, and annual premium | Enter covered tools, limit, deductible, theft terms, and annual premium | Enter covered tools, limit, deductible, theft terms, and annual premium |
| Umbrella or excess liability | Limit above general liability, auto, and employer's liability; note contract request | Enter umbrella limit, underlying limits, exclusions, and annual premium | Enter umbrella limit, underlying limits, exclusions, and annual premium | Enter umbrella limit, underlying limits, exclusions, and annual premium |
| Pollution liability | Refrigerant, mold, cleanup cost, indoor-air-quality, and jobsite pollution terms | Enter limit, covered operations, exclusions, deductible, and annual premium | Enter limit, covered operations, exclusions, deductible, and annual premium | Enter limit, covered operations, exclusions, deductible, and annual premium |
| Additional insured | Which parties can be named and whether ongoing and completed operations are available | Enter available wording, form details, charge, and any limits | Enter available wording, form details, charge, and any limits | Enter available wording, form details, charge, and any limits |
| Waiver of subrogation | Whether blanket or scheduled wording is offered and whether a separate charge applies | Enter blanket or scheduled wording, charge, and coverage lines affected | Enter blanket or scheduled wording, charge, and coverage lines affected | Enter blanket or scheduled wording, charge, and coverage lines affected |
| Primary and noncontributory | Whether the quote can add this wording when the contract asks for it | Enter wording offered, coverage lines affected, charge, and limits | Enter wording offered, coverage lines affected, charge, and limits | Enter wording offered, coverage lines affected, charge, and limits |
| Per-project aggregate | Whether general liability can add per-project aggregate wording for project contracts | Enter whether available, charge, form details, and any restrictions | Enter whether available, charge, form details, and any restrictions | Enter whether available, charge, form details, and any restrictions |
| Subcontractor conditions | Certificate, additional insured, waiver, and insurance requirements for subcontractors | Enter certificate rules, required limits, endorsement rules, and audit notes | Enter certificate rules, required limits, endorsement rules, and audit notes | Enter certificate rules, required limits, endorsement rules, and audit notes |
| Exclusions to review | Pollution, mold, refrigeration, design work, subcontractor, height, or operations restrictions | Enter exclusions that affect your HVAC work and any buyback options | Enter exclusions that affect your HVAC work and any buyback options | Enter exclusions that affect your HVAC work and any buyback options |
| Deductibles and retained amounts | Deductible by coverage type and whether any self-insured retention applies | Enter deductible or retained amount for each coverage type | Enter deductible or retained amount for each coverage type | Enter deductible or retained amount for each coverage type |
| Rating details used | Revenue, payroll, employees, vehicles, states, work split, subcontractors, and claims | Enter the business details the carrier used to price the policy | Enter the business details the carrier used to price the policy | Enter the business details the carrier used to price the policy |
| Total annual premium | Annual premium for included coverages; list fees, taxes, and payment charges separately | Enter annual premium, taxes, fees, and payment plan charges | Enter annual premium, taxes, fees, and payment plan charges | Enter annual premium, taxes, fees, and payment plan charges |
| Follow-up questions | Questions to ask before choosing a quote or requesting revised terms | Enter missing items, contract questions, and coverage changes to request | Enter missing items, contract questions, and coverage changes to request | Enter missing items, contract questions, and coverage changes to request |
Preview of downloaded spreadsheet template
Updates as you type before download.
Preview of downloaded spreadsheet template
Updates as you type before download.
Next steps
- Send the worksheet with the contract insurance exhibit when you ask for revised terms.
- Compare annual premium only after coverage types, limits, endorsements, and exclusions are lined up.
- Ask how each quote handles subcontractors, completed operations, refrigerants, mold, and tools in vehicles.
- Keep the completed worksheet with your renewal file so next year's quotes use the same assumptions.
What this includes
Download formats
XLSX, CSV
Fields
Business name, State, Quote date, Contact name
Spreadsheet columns
Comparison item, What to compare, Quote 1, Quote 2, Quote 3
Document sections
Worksheet notes, Comparison reminders
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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026
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