Chill-Pro® Insurance Program

HVAC Service Contract Insurance

Air conditioning & chiller service companies!
Looking for a cost effective way to lower your risk? Contact FRS. We have solutions.


Even with proper scheduled maintenance, mechanical and electrical equipment failures occur. There is never a good time for an outage. Does your business have the proper coverage in the event of a breakdown? Self-insurance funding may leave your business open to greater risk. The professionals at Financial Risk Solutions, Inc. will deliver insurance that fits your needs. Our reputation is built on 35 years of industry experience. As the top provider of chiller insurance covering commercial equipment (20 tons and larger), we have the contacts and skill to shield your bottom line.


IMAG0348Chill-Pro® covers electrical and mechanical failures involving air conditioning and chiller equipment included in a full / guaranteed service agreement. Under a covered breakdown, contractors are paid their costs to restore the equipment to the condition it was in prior to the loss. There are no hourly caps or restrictions on labor costs.

What’s covered?

Chill-Pro®, our annually renewable program, covers the complete unit (including compressor, motor, starter / controls, refrigerant and tubes or condenser). Centrifugal, screw, reciprocating, scroll and absorption units are all eligible for coverage. Coverage for large, remote pumps / motors (20 hp or larger) and boilers is also readily available.

Claims handling

iStock_000020171706MediumParts and refrigerant are reimbursed based on your actual cost of materials and include items such as truck charges and cranes. Labor costs include employee wages, fringe benefits and overhead. Each claim is subject to the per occurrence deductible. Most submissions are paid within 30-45 days.


Here are the ways you can request a quote:

  • Download and email or fax us one of the completed application forms available on this site.
  • Call Carmen Laukas, Chill-Pro® Lead Program Administrator, at 866-674-9503 Extension 8178. Simply give her your email address or fax number and we will gladly send the appropriate forms to your attention.

Whichever option you choose, you’ll receive a response from FRS in 48 hours or less.