Specialty Brokerage · Commercial Construction

Comprehensive Insurance for Professional HVAC Contractors

From large commercial installations to ongoing service contracts, HVAC work requires precision and protection. UCI partners with established HVAC contractors to provide straightforward insurance solutions backed by personal guidance so you can focus on your business

WRITTEN PREMIUMS

$ 0 M+

LICENSED STATES

GOOGLE REVIEWS

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TRUSTED CHOICE

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CPCU · CRIS

Credentialed Advisors

Who we Serve

Insurance Support for Established HVAC Contractors

No matter the size or type of your projects, we make sure your coverage fits the way you work. Our clients include contractors handling residential, commercial, and industrial HVAC operations across all phases of construction and maintenance.

With UCI, you get expert advisors who simplify your coverage and make managing insurance easy.

Residential HVAC installers and service teams

Commercial and industrial HVAC contractors

Mechanical system installers for new construction projects

Companies providing heating, cooling, and ventilation maintenance

Our Approach

Assess. Prevent. Protect.

Our approach keeps insurance simple, transparent, and consistent—so you always understand your coverage and next steps.

Assess: Review Your Coverage

We help you review your existing policies and ensure your insurance aligns with your current operations.

Prevent: Make Informed Policy Choices

Our advisors guide you through policy options and costs, helping you make confident decisions for your company.

Protect: Keep Your Coverage Working for You

As your business evolves, we make sure your insurance keeps pace.

Coverage Options

Coverage That Matches Your Project Demands

Your projects depend on precision and timing. Your insurance should, too.
UCI provides complete coverage for established contractors across all 50 states.

Commercial General Liability

Per-project aggregates, completed operations, wrap carve-outs, and additional insured language that holds up when contracts are tested.

OCIP & CCIP Programs

Evaluation, placement, and administration of owner-controlled and contractor-controlled insurance programs on GMP and design-build projects.

Subcontractor Default Insurance

SDI structuring compared with surety bonds. When SubGuard delivers more value than performance bonds and when it does not.

Excess & Umbrella Towers

$10M to $100M+ towers structured across admitted and E&S markets, with quota-share and layered placement expertise.

Builder's Risk

All-risk builder’s risk on ground-up, design-build, and renovation projects, including challenging perils like water damage and soft costs.

Surety Bonding

Bid, performance, and payment bonds with aggregate programs that scale across projects. Treasury-listed and private markets.

The Team

Why Leading HVAC Contractors Choose UCI

HVAC work moves fast and so do we. Our team provides the clarity and support you need to stay protected, efficient, and confident on every project.

Ryan Munoz

CRIS · MBA · Licensed P&C Agent

Senior advisor on large, complex contractor accounts with detailed insurance requirements built into their contracts. Manages a book exceeding $6M in premium.

Joe Grebenstein

CRIS · B.L.A.S., Arizona State

Commercial insurance specialist focused on construction and contractor risk. Works extensively with large, complex contractor accounts across multi-state operations.

Joe Hennessey

Licensed P&C Broker · Construction Specialist

Years of experience working with hard-to-place construction trades and niche contractor operations on high-stakes commercial projects.

Shawn Jason

Property and Casualty Licensed · CRIS Certified

Extensive experience supporting contractors with customized insurance programs, risk strategies, and coverage solutions for complex construction operations.

Client Voice

What Leading HVAC Contractors Say About UCI

“Miami Roofing Solutions has had an excellent experience working with Affordable Contractors Inc. for our General Liability coverage. Their team provides outstanding service, quick response times, and competitive pricing tailored to contractors in the construction industry. They are professional, knowledgeable, reliable, and make the insurance process smooth and efficient. We highly recommend Affordable Contractors Inc. to any contractor or business looking for a dependable insurance agent who understands the industry and delivers great value.”

“Dennis V was absolutely the greatest. He listened to our needs and got us the coverage we needed in a timely fashion. He was super knowledgeable, professional, and extremely nice as well as accommodating. I would highly recommend him to anyone in need of commercial business insurance.”

“Quick response and follow up call to discuss my needs. The estimate came fast and included options to limit my exposure beyond a standard policy. I shopped around but came back to ACI because of their knowledge, guidance and my general ease of understanding what I was getting. Joelle was great to work with. My new liability policy will grow with my business and keep me protected!”

“This was my first time searching for this type of insurance, and Joe made the process simple and informative. He understood what I needed, clearly explained the different coverage options, and gave me the information I needed to make a confident decision. He was patient with my limited internet experience and walked me through each step until everything was complete. After 30 years in construction, this was by far one of the most helpful and easy-to-understand insurance conversations I've had. I will definitely recommend Affordable Contractors Insurance to other contractors.”

“They made it easy to get the specialty coverages I needed. So many others struggled to get me what was required and they knew what was needed and how to handle it. Amazing group and they got me up and running fast for way less than I was quoted elsewhere.”

*UCI is a division of Affordable Contractors Insurance (ACI)

Start the Conversation

Keep Your HVAC Projects Running With Confidence

Your clients depend on you to keep things running. Depend on us to keep you protected.

UCI provides personalized insurance guidance and dependable coverage designed for HVAC professionals who value reliability and results.