Refrigeration contractors’ workers’ comp protects your employees when they are injured or become ill from a job-related incident.

This multiple-state-required policy helps pay for medical expenses, lost wages, and funeral expenses.

The state you work in will define the minimum required coverage limits for your refrigeration contracting business to become licensed.

It’s important to note that most states implement severe penalties and fines to penalize employers who fail to provide continuous contractors’ workers’ comp coverage.

Most states require a refrigeration contractors’ surety bond prior to commencing business operations.

A refrigeration contractor bond guarantees your customers and the state licensing board that you will complete the job according to your bid and that all subcontractors and vendors get paid when the job is complete.

Refrigeration contractors that use vehicles for business, including transporting tools, equipment, and construction supplies, need contractors’ commercial auto insurance to protect vehicles involved in an at-fault accident, damaged in an accident, stolen, or vandalized.

A refrigeration contractors’ commercial auto policy will have no limit on the number of vehicles or drivers that need to be covered.

Refrigeration contractors’ commercial insurance can provide coverage up to $1 million combined single limits.

Refrigeration contractors use expensive tools and equipment to perform day-to-day business operations.

Refrigeration contractors’ tool and equipment insurance (inland marine policy) protects your business property from a covered peril at the job site, in transit, or storage.