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Refrigeration Engineer Insurance: Cost & Quotes From $35/mo

Table of contents
1. General Liability Insurance for Refrigeration Engineers 1.1. Add-Ons to  General Liability Insurance for Refrigeration Engineers1.2. Coverage Limits of General Liability Insurance for Refrigeration Engineers1.3. Am I Exposed to Risk If I Cancel My General Liability Insurance Policy?2. Professional Liability Insurance for Refrigeration Engineers 2.1. Add-Ons to Professional Liability Insurance for Refrigeration Engineers2.2. Coverage Limits of Professional Liability Insurance for Refrigeration Engineers2.3. Do Refrigeration Engineers Need Professional Liability Insurance?3. Commercial Property Insurance for Refrigeration Engineers3.1. Add-Ons to  Commercial Property Insurance for Refrigeration Engineers3.2. Coverage Limits of Commercial Property Insurance for Refrigeration Engineers3.3. Will My Buildings Safety Rating Influence My Premium Cost for Commercial Property Insurance?4. Business Owner’s Policy for Refrigeration Engineers4.1. Add-Ons to  Business Owner’s Policy for Refrigeration Engineers4.2. Coverage Limits of Business Owner’s Policy for Refrigeration Engineers4.3. Will My Business Owner’s Policy Cover A Slander Lawsuit?5. Tools and Equipment Insurance for Refrigeration Engineers5.1. Add-Ons to  Tools and Equipment Insurance for Refrigeration Engineers5.2. Coverage Limits of Tools and Equipment Insurance for Refrigeration Engineers6. Workers Compensation Insurance for Refrigeration Engineers  6.1. Is There a Time Limit to File a Workers Compensation Claim?6.2. What is Monopolistic Worker’s Comp Insurance?7. Commercial Auto Insurance for Refrigeration Engineers7.1. Add-Ons to  Commercial Auto Insurance for Refrigeration Engineers7.2. Coverage Limits of Commercial Auto Insurance for Refrigeration Engineers7.3. What is Gap Coverage for Commercial Auto Insurance?8. Refrigeration Engineer Insurance Cost9. Best Refrigeration Engineer Insurance Companies9.1. NEXT Refrigeration Engineer Insurance 9.1.1. Pros9.1.2. Cons9.2. The Hartford Refrigeration Engineer Insurance 9.2.1. Pros 9.2.2. Cons 9.3. CoverWallet Refrigeration Engineer Insurance 9.3.1. Pros 9.3.2. Cons 9.4. Tivly Refrigeration Engineer Insurance 9.4.1. Pros 9.4.2. Cons 9.5. Thimble Refrigeration Engineer Insurance 9.5.1. Pros 9.5.2. Cons 9.6. Hiscox Refrigeration Engineer Insurance 9.6.1. Pros 9.6.2. Cons 

An HVAC system isn’t the only installation important for business. Some facilities such as cold storages, laboratories, pharmacies, hospitals, and others look for refrigeration engineers to design cooling systems used for preserving food, medicine, and other goods.

As a refrigeration engineer, you part of a lucrative industry, but that doesn’t mean you are immune to the unexpected cost of an untimely lawsuit. You might oversee a defect, and the pharmacy or any other client might sue for negligence. Also, an employee might get hurt while building a refrigeration system.

Refrigeration engineers insurance can help. This article will examine the most helpful insurance policies, their coverage limits, and available add-ons.

General Liability Insurance for Refrigeration Engineers 


CoverWallet NEXT (Best)ThimbleHiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000

$1,000,000$2,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$2,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit 
$300,000/$1,000,000
$300,000$100,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


This refrigeration engineer insurance protects your business from third-party liability claims involving bodily injury and property damage. Example situations to use this coverage include:

  • Your business office that is open to the public has a slippery floor that injures a client

  • While helping a client, one of your employees accidentally damages their cell phone


Add-Ons to  General Liability Insurance for Refrigeration Engineers

  • Tools and equipment coverage–Protects your refrigeration engineer equipment from damage and can help you replace broken tools

  • Hired and non-owned auto–Offers insurance coverage to non-owned auto vehicles like employee vehicles during business-related activities

  • Excess liability–Helps you get extra coverage when you have incidents that your general liability insurance can’t fully cover


Coverage Limits of General Liability Insurance for Refrigeration Engineers

Refrigeration engineers should opt for a $1 million occurrence limit and a $2 million aggregate limit. This is a solid coverage limit that ensures you have an adequate amount of coverage when it counts.


Am I Exposed to Risk If I Cancel My General Liability Insurance Policy?

Yes. If you cancel a policy or don’t renew a new one when the policy limit stops, your business is exposed to perils and risks. To avoid being exposed to risks, you want to ensure that there is never a lapse in coverage.


Professional Liability Insurance for Refrigeration Engineers 


CoverWallet NEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


Refrigeration engineers use professional liability insurance to protect from mistakes and oversights they make while on the job that causes a financial loss to another party. Examples of where this refrigeration engineers insurance can help include:

  • A customer accuses of negligence

  • You are subject to a lawsuit because of an undelivered service you promised to a client that you failed to deliver


Add-Ons to Professional Liability Insurance for Refrigeration Engineers

  • Extended reporting period–This add-on allows you to use a professional liability coverage even if it has recently expired

  • Additional insured–Allows you to extend coverage to other parties that were not initially written on the policy


Coverage Limits of Professional Liability Insurance for Refrigeration Engineers

Refrigeration engineers will see professional liability insurance policies with $1 million per occurrence limit and $1 million aggregate limit.


Do Refrigeration Engineers Need Professional Liability Insurance?

While you are not legally required to get professional liability insurance, you will certainly want it to prevent your business from being exposed to catastrophic lawsuits and court fees. The torts that professional liability insurance covers are some of the most expensive claims to defend your business against.

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Commercial Property Insurance for Refrigeration Engineers


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Building coverage limit (minimum)$50,000$260,000$25,000/$500,000$25,000$60,000
Contents coverage limit (minimum)$50,000$22,000$25,000/$500,000$25,000$60,000
Outdoor signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


You can use commercial property insurance to protect your building and associated property against damage or destruction. Events covered by this refrigeration engineers insurance include:

  • A criminal vandalizes your building and steals some of the contents inside

  • Your building is damaged in an out-of-control fire


Add-Ons to  Commercial Property Insurance for Refrigeration Engineers

  • Terrorism coverage–Reimburses the value of the property that got damaged or destroyed due to bombing, looting, and other terrorist activities

  • Equipment breakdown–Covers expenses if the equipment you use to design and install refrigeration systems becomes inoperable due to mechanical and electrical breakdowns


Coverage Limits of Commercial Property Insurance for Refrigeration Engineers

Refrigeration engineers can expect around $50,000 in coverage limits for the building and contents. 


Will My Buildings Safety Rating Influence My Premium Cost for Commercial Property Insurance?

Yes. The safer your building is, the less you will pay for your policy. Your building's safety is influenced by the materials it is constructed with, proximity to a fire station, and if you have a sprinkler system installed.