The Process

From Quote to Coverage in Four Trade-Specific Steps

No call-center runaround. A licensed advisor who works with HVAC techs every day walks you through the carriers, riders, and tradeoffs that actually matter for the work you do.

The Process

Four Calibrated Steps to a Plan That Fits the Trade

Same diagnostic mindset you bring to a comfort call: gather data, compare options, pick the right system, commission it cleanly.

  1. Step 01

    Tell Us About Your Trade

    A 2-minute intake covers what you do (residential service, commercial refrigeration, install crew), how your income lands (W-2, 1099, seasonal), and what you actually want covered.

  2. Step 02

    We Run the HVAC-Specific Comparison

    Your advisor pulls quotes across 50+ carriers and filters them through what HVAC pros actually use plans for — ER, ortho injuries, prescriptions, accident riders, and group structures.

  3. Step 03

    Get a Clear Side-by-Side, in Plain English

    No jargon, no carrier fluff. We send you 3 finalist plans with tradeoffs called out the way a service tech would explain a system retrofit — what works, what's overspec, what the gotchas are.

  4. Step 04

    Enroll and Get Back on the Truck

    Sign electronically, get your member ID, and your CoolCover advisor sticks around year-round for claims, mid-year changes, and the open enrollment window when it rolls around.

4 in 10
HVAC techs lack health coverage
50+
Carriers we compare for you
48 hrs
Average time to enroll
$0
Cost for our advisor service
Ready when you are

Start in under 2 minutes.

Share a few details, get a same-day call from a licensed advisor in your state, and pick the plan that actually fits. No SSN required, no obligation.

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