Insurance Insights & Guides
Plain-English guides on health, dental, vision, supplemental, and family insurance — written by licensed agents who do this every day.
Small HVAC Shop Group Coverage Explained
How a small HVAC shop can weigh group health coverage for its crew without guesswork.
Health Insurance for HVAC Contractors in 2026
Coverage built for HVAC techs and contractors who ride seasonal demand without an employer plan.
Seasonal Income & ACA Subsidies: A Tech's Field Guide
Cooling season pads the year. January eats it. Here's how to project your income so the marketplace subsidy actually lands — and you don't owe at tax time.
Refrigerant Exposure: What Your Plan Actually Covers
A line-set leak in a tight mechanical room is a real event. The ER copay is the easy part. The hidden costs and rider gaps are where techs get burned twice.
Why HVAC Techs Lose Teeth Faster — and What Coverage Helps
The combination of dehydration, caffeine, and clenched-jaw rooftop work compounds dental decay. A $19/month dental plan beats a $3,000 crown every time.
Rooftop Falls, Burns & Cuts: Reading the Accident Rider
OSHA lists falls from heights as the leading HVAC injury. Most generic accident riders cover them — but the dollar amounts and exclusions vary wildly. Here's what to look for.
Group Plan Math for HVAC Shops With 5–12 Techs
You're losing journeyman techs to the shop across town that offers a group plan. Here's what offering one actually costs — and how to pick the right structure.