Insurance Plans

Every Coverage Type, One Trusted Agency

Browse the plan categories we work with, then talk to a licensed advisor to compare carriers side-by-side for your situation.

Coverage Options

The Coverage Lineup Every HVAC Pro Should Compare

One conversation with a CoolCover advisor surfaces every plan type below — chosen because the HVAC trade has needs that off-the-shelf individual coverage doesn't cleanly answer.

Self-Employed HVAC Health Plans
Individual ACA-compliant medical coverage tailored for 1099 techs and solo operators. Subsidy eligibility factored in.
Accident Coverage for Trade Hazards
Cash-benefit accident plans for heat exhaustion, falls, electrical burns, and refrigerant exposure events.
Short-Term Disability
Income replacement for back injuries, shoulder tears, and other layups — the injuries that keep techs off the truck.
Group Plans for HVAC Shops (2–15)
Small-group medical, dental, and vision packages designed to retain skilled techs without breaking the shop budget.
Dental & Vision Add-Ons
Standalone dental and vision plans — important when you spend your days squinting at gauges in dim mechanical rooms.
HSA-Eligible HDHPs
High-deductible plans paired with a Health Savings Account — strong fit for healthy techs with variable income.

Most-requested by HVAC pros

The Trade-First Bundle

Medical + accident + short-term disability stacked into one quote — the combination our advisors recommend most often for techs working unprotected without an employer plan.