As an HVAC contractor, you are responsible for ensuring that your clients' heating, ventilation, and air conditioning systems are running efficiently and safely.
However, accidents can happen, and that's where HVAC Contractor Insurance comes in. Our comprehensive coverage can protect you and your business from a variety of risks, including property damage, liability claims, and worker's compensation.
Our coverage options include the following
General Liability Insurance
This coverage protects you if you are sued by a third party for property damage or bodily injury resulting from your work as an HVAC contractor. This includes claims for accidents that occur on the job site, as well as any resulting legal fees.
Property Insurance
This coverage can protect your business property, including your office, equipment, and tools, from damage or loss due to various causes, such as fire, theft, and vandalism.
Worker's Compensation Insurance
This coverage can protect your employees in the event of a work-related injury or illness. It can provide them with financial support for medical expenses, lost wages, and rehabilitation.
Commercial Auto Insurance
If you use vehicles for your HVAC business, you'll need this coverage to protect them in case of an accident or theft.
Umbrella Liability Insurance
This coverage provides additional liability protection above and beyond your standard general liability coverage. It can be especially useful for HVAC contractors, who may face higher liability risks due to the potential for property damage and personal injury claims.
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Commercial General Liability
Business Owner’s Policy
Commercial Auto
Worker’s Compensation
HVAC Inland Marine Coverage
Commercial general liability coverage
Risk Factors
While carrying heavy equipment, an employee damages the furniture of your client's property. You are liable to pay for the damages.
Solution
Your general liability policy would cover the cost of repairs for the damage caused by your employee.
Business owner’s policy coverage
Risk Factors
A fire breaks out in your office complex and spreads to your storage area, destroying most of your equipment.
Solution
Your business owner’s policy would help you cover the costs of repairs to the property and damages to your equipment.
Commercial auto coverage
Risk Factors
Some of your equipment and tools have been stolen from the job site. Therefore, you will have to buy new equipment immediately to finish your client's work on or before the deadline.
Solution
Inland marine insurance covers the equipment your employees use to perform their work.
Worker’s compensation coverage
Risk Factors
While carrying heavy equipment, your employee injures himself. He needs medical care and cannot work until he recovers.
Solution
Workers’ compensation would pay for his medical bills and a portion of lost income while he recovers and is unable to work.
HVAC inland marine coverage
Risk Factors
Some of your equipment and tools have been stolen from the job site. You will have to buy new equipment immediately so that you finish your client's work on or before the deadline.
Solution
Inland marine insurance covers the equipment your employees take with them to perform their work.
At our Insurance Agency, we understand the unique risks that HVAC contractors face, and we offer customized coverage options to help protect your business. We also provide exceptional customer service and support, from the initial consultation to claims processing.
Contact us today to learn more about our HVAC Contractor Insurance coverage and how we can help protect your business.
