Ohio HVAC Contractor Insurance Coverage and Quotes

Ohio HVAC contractors need coverage strategies that protect margins, reduce callback risk, and support long-term customer confidence through every heating and cooling season. WarrantyRE helps HVAC business owners evaluate warranty reinsurance options, structure contractor-owned programs, and request informed quotes designed to replace third-party warranty costs with profit-retaining coverage administration.

Ohio HVAC contractor reviewing coverage options

Our HVAC Contractor Insurance Services

Coverage-focused reinsurance solutions that help HVAC contractors manage warranty risk and retain more profit.

HVAC Warranty Reinsurance

Set up a contractor-owned reinsurance company to reinsure labor warranties on furnace, AC, heat pump, and mini split installations while retaining unused warranty funds.

Coverage Analysis

Review your current warranty expenses, callback exposure, install volume, and pricing structure to determine how a reinsurance program could improve profitability.

Program Quotes

Receive guidance on building warranty fees into proposals, structuring coverage terms, and estimating the financial potential of your contractor-owned program.

HVAC warranty reinsurance planning session

Our HVAC Coverage Quote Process

Review Your Current Warranty Costs

We begin by evaluating how your Ohio HVAC business currently handles labor warranties, third-party warranty fees, callbacks, install volume, and seasonal service patterns across heating and cooling work.

Model Your Reinsurance Opportunity

Structure Your Coverage Program

Launch With Training and Support

Proven Profit Strategy

Client Success

WarrantyRE has helped hundreds of business owners build more profitable warranty programs.

"We've been very pleased with our relationship with WarrantyRE and assured vehicle protection."

Rob & Dale Fisher

"The program that they put together is just perfect for our organization!"

Andrew Wiley

"WarrantyRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher

"We've been very pleased with our relationship with WarrantyRE and assured vehicle protection."

Rob & Dale Fisher

"The program that they put together is just perfect for our organization!"

Andrew Wiley

"WarrantyRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher

"We've been very pleased with our relationship with WarrantyRE and assured vehicle protection."

Rob & Dale Fisher

"The program that they put together is just perfect for our organization!"

Andrew Wiley

"WarrantyRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher
The WarrantyRE Difference

Why Choose WarrantyRE?

Partner with reinsurance specialists focused on contractor profitability, compliance, and long-term support.

Since 1994

Decades of reinsurance experience guide every contractor-owned warranty program we structure.

Profit Retention

Ohio HVAC contractors can keep underwriting profits instead of paying third-party providers.

Full Administration

We manage claims, compliance, reporting, bookkeeping, forms, filings, renewals, and tax returns.

Local Fit

Programs account for Ohio’s heating demands, cooling season, and customer warranty expectations.

Meet The WarrantyRE Team

Experienced reinsurance specialists supporting contractor-owned warranty programs.

Tim Byrd, Founder

Tim Byrd

Founder

Tim Byrd founded WarrantyRE in 1994 in Southeast Virginia with a vision to help business owners build more efficient and profitable warranty programs. Over the decades, he has guided the company from its roots in automotive reinsurance into expanded solutions for home service industries, including HVAC. His experience centers on helping owners replace third-party warranty arrangements with contractor-owned structures that retain underwriting profits and improve long-term financial performance. Tim's leadership has shaped WarrantyRE's reputation for practical guidance, compliance-minded administration, and relationship-driven service. His work continues to focus on helping HVAC contractors create stronger businesses through smarter warranty strategy, better customer experience, and sustainable recurring revenue opportunities.

Taylor Byrd, President

Taylor Byrd

President

As President of WarrantyRE, Taylor Byrd helps lead the company's continued growth in contractor and dealer reinsurance solutions. Taylor supports clients through program development, operational alignment, and long-term strategy designed to help owners keep more of the profits generated by their warranty offerings. With WarrantyRE's decades-long foundation behind her, she plays a key role in maintaining a high standard of service while expanding the company's reach into industries like HVAC. Her leadership supports a client experience centered on clarity, responsiveness, and measurable business value. Taylor works to ensure contractors receive the structure, support, and administrative resources needed to launch and manage reinsurance programs with confidence and consistency.

Parker Byrd, Vice President

Parker Byrd

Vice President

Parker Byrd joined WarrantyRE in 2018 after serving six years in the United States Army as a Crew-Chief on CH-47 helicopters. As Vice President, he brings discipline, operational focus, and a service-first mindset to the company's work with contractors and dealers. Parker supports clients as they establish new reinsurance companies and navigate the practical steps involved in building profitable warranty programs. His background reflects a strong commitment to structure, accountability, and helping businesses operate more effectively. For HVAC contractors, that means working with a team leader who understands the importance of dependable systems, clear processes, and long-term planning. Parker's role helps ensure clients receive steady guidance as they transition away from third-party warranty providers toward ownership and profit retention.

Heather Spruill, Office Manager and Controller

Heather Spruill

Office Manager / Controller

Heather Spruill joined WarrantyRE in 2013 after earning her MBA and has become a key part of the company’s day-to-day operations and financial oversight. As Office Manager and Controller, she helps ensure clients receive responsive support and organized administration throughout the life of their warranty programs. Her role is especially valuable for contractors who need dependable coordination around reporting, documentation, and internal processes. Heather is known for her commitment to clients and her ability to keep complex workflows moving smoothly, which supports the high-touch service model WarrantyRE is known for. Her blend of financial knowledge, operational discipline, and customer care helps roofing contractors feel supported as they transition to a contractor-owned workmanship warranty structure.

Kristi Cashman VP of Business Development headshot

Kristi Cashman

VP of Business Development

Kristi Cashman brings strategic management and marketing expertise to WarrantyRE's client growth efforts. With a passion for helping individuals and businesses reach their highest potential, she works closely with clients who want to improve efficiency, productivity, and profitability through reinsurance. As VP of Business Development, Kristi helps communicate the value of contractor-owned warranty programs in a way that is practical, clear, and growth-focused. Her background supports businesses that need both strategic insight and actionable guidance as they evaluate alternatives to third-party warranty providers. Kristi's ability to connect business goals with operational solutions makes her a valuable resource for contractors looking to build stronger margins and long-term customer loyalty.

Brenda West headshot

Brenda West

Account Manager

Brenda West brings more than 20 years of insurance industry experience to her role as Account Manager at WarrantyRE. Her background also includes financial experience as an F&I Manager at a successful dealership, giving her a strong understanding of program performance, customer-facing products, and profitability. That combination helps her support clients with practical insight as they establish and manage their own warranty reinsurance structures. Brenda understands how important clarity, responsiveness, and follow-through are when businesses are making strategic financial decisions. Her experience helps clients feel supported throughout the process, from setup questions to ongoing account needs, making her a dependable point of contact for businesses seeking a more profitable warranty model.

Courtney Norville headshot

Courtney Norville

Business Development Associate

Courtney Norville joined WarrantyRE in 2023, bringing organizational strength and detail-oriented support developed through her background in property management. In her role as Business Development Associate, she assists clients as they form new companies and move through the early stages of implementation. Her ability to keep processes organized and communication clear is especially valuable for contractors navigating the setup of a new warranty reinsurance structure. Courtney helps ensure clients have the support they need during a critical phase of program development, contributing to a smoother onboarding experience. Her practical mindset and commitment to service make her an important part of the team that helps businesses launch with confidence.

Ryleigh headshot

Ryleigh

Administrative Assistant

Ryleigh joined WarrantyRE in 2020 and quickly became a valued part of the team through her strong desire to help others and support daily operations. As Administrative Assistant, she contributes to the organized, responsive experience clients rely on when working through program setup and ongoing administration. Her role helps keep communication moving, details managed, and internal processes supported so the broader team can serve clients efficiently. Ryleigh's dependable approach and positive attitude strengthen the client experience behind the scenes, especially for businesses that need timely answers and coordinated support. She represents the kind of attentive service that helps WarrantyRE maintain long-term relationships with the contractors and dealers it serves.

Frequently Asked Questions

How much does a $1,000,000 liability insurance policy cost?

A $1,000,000 general liability policy for an HVAC contractor can vary widely based on payroll, revenue, claims history, work performed, subcontractor use, and Ohio market conditions. WarrantyRE does not sell standard general liability policies. We help HVAC contractors evaluate warranty reinsurance programs that address labor warranty risk, callback exposure, claims administration, and profit retention.

Is WarrantyRE offering traditional HVAC contractor insurance?

What coverage does HVAC warranty reinsurance help address?

How are quotes for an HVAC reinsurance program calculated?

Can Ohio HVAC contractors keep warranty profits with this model?

Does WarrantyRE manage claims for HVAC contractors?

How long does it take to set up a program?

Why would an HVAC contractor choose reinsurance over a third-party warranty provider?

Still Have Coverage Questions?

Talk with WarrantyRE about your HVAC reinsurance options.

Certified & Trusted

Awards and Recognition

Since 1994 trust badge

Since 1994

Decades of proven reinsurance program experience.

Industry association sponsor badge

Association Sponsor

Supports industry associations across the country.

A-rated insurer support badge

A-Rated Support

Admin obligor structures supported by A-rated insurers.

Request Your HVAC Coverage Quote

Share your current warranty approach, installation volume, and goals. WarrantyRE will help you evaluate whether a contractor-owned reinsurance program fits your Ohio HVAC business.

Contact Us Today

For immediate assistance, feel free to give us a direct call at (804) 824-9533.