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Contractors’ insurance protects against the financial risks present at all stages of business operations.
HVAC Contractor’s operations include installing, repairing, and maintaining heating, ventilation, and air conditioning systems. Due to the complex nature of HVAC operations, these specialists deal with a minefield of liability exposures. When things go wrong at the job site, your business needs to be able to depend on a reputable and highly rated contractors’ insurance carrier to provide the financial resources to make your customer whole again.
HVAC technicians’ insurance is a necessity driven by the risk of financial setbacks from workplace accidents and unintended property damage your business encounters on each project.
An HVAC contractors’ general liability policy will provide a defense against a third-party liability claim for injuries or property damage.
General liability coverage is the cornerstone of your HVAC contractors’ insurance package.
Workers’ comp insurance will protect your employees if they are injured or become ill from a job-related incident.
HVAC contractors’ workers’ compensation will help pay for medical expenses, lost wages, and funeral expenses.
The state you work in will define the minimum required coverage limits for your HVAC contracting business for your business to become licensed.
Most states require an HVAC contractors’ bond before operating their business.
Your HVAC surety bond provides a financial guarantee to your customers that you will complete the job according to your bid and that any subcontractors or vendors get paid when the job is complete.
HVAC contractors’ business vehicles that transport tools and equipment should consider a contractor’s commercial auto and truck policy for appropriate protection if the vehicle’s damaged in an accident, stolen, or vandalized.
HVAC contractors’ commercial auto insurance will have no limits on the number of vehicles or drivers that need to be covered.
HVAC contractor’s tool and equipment coverage will reimburse you and your business for a covered peril if your tools or equipment are damaged or stolen at the job site or while in storage.