Coverage Built Around the Work You Actually Do
From first-year apprentices to multi-truck shop owners, every plan we quote is tuned to the specific trade you work in.
Built for the Boots-on-Rooftop Reality of HVAC Work
We don't sell generic "individual" plans dressed up for tradespeople. CoolCover Health was built specifically for the four kinds of HVAC pros below — and the income, risk, and schedule realities each one actually lives.
Independent HVAC Techs
Solo techs and 1099 contractors who jump between residential calls and small commercial jobs without an employer plan in sight.
Refrigeration Mechanics
Commercial refrigeration specialists working with refrigerants, walk-ins, and rooftop units — high-exposure work that needs the right accident coverage.
Apprentices & Helpers
First- and second-year apprentices aging off a parent's plan who need affordable starter coverage that grows with their license.
Shop Owners (2–15 Techs)
HVAC business owners ready to add group health to keep their best techs from jumping to the union shop down the road.