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Refrigeration Contractor General Liability MascotGet A QuoteNot another dime! Stop overpaying for coverage today!
A quick quote can save you up to 65% or more with
the nation's highest-rated general liability programs –




Refrigeration Contractor

General Liability


Not another dime! Stop overpaying for coverage today!
A quick quote can save you up to 65% or more with the nation’s highest-rated general liability programs –

Coverage For Your Business

As the leading source of Refrigeration Contractors' Liability Insurance, our programs offer unparalleled coverage with automatic discounts to optimize your savings –

What is Refrigeration Contractors’ General Liability?

General liability insurance for refrigeration contractors provides crucial protection to business owners in case of incidents or accidents at their locations or work sites. This coverage ensures financial security by shielding against business-related claims.

Why do I need it?

Business Protection – Refrigeration contractor liability coverage serves as a fundamental safeguard for business owners, providing protection against lawsuits arising from the following:

  • Liability from Business Operations
  • Liability Assumed Under a Contract
  • Liability from Manufactured Products
  • Liability from Company Employees

Company Compliance – Various job owners and state licensing departments typically mandate business liability insurance for refrigeration technicians before they can start their operations.

Marketing Benefits – By offering refrigeration services liability insurance, you demonstrate a commitment to responsible practices and ensure all parties’ security, providing potential clients with peace of mind. This form of contractor insurance serves as a safety net, enhancing your professional reputation and increasing your chances of winning bids.

Property Landlords – Commercial management firms frequently require proof of adequate contractor liability coverage for refrigeration technicians when securing a lease.

What does it Cover?

By offering financial protection, commercial liability insurance for refrigeration contractors covers legal defense costs and damages up to policy limits in lawsuits brought forth by third parties alleging injury or damage caused by your business.

It serves as a protective shield against unexpected expenses arising from common incidents such as:

  • Bodily Injury
  • Property Damage
  • Products & Completed Operations
  • Personal & Advertising Injury
What is a Certificate of Insurance?

When entering into a work contract, it is common for clients, contractors, and other involved parties to request a certificate of insurance to verify the existence of refrigeration contractors’ business liability insurance and the specified coverage limits.

What is an Additional Insured?

In a standard general liability policy for refrigeration contractors, an additional insured (AI) refers to an individual or entity, apart from the policyholder, that is extended coverage under the policy. This rider is widely sought and often requested.

How much is it?

When evaluating different refrigeration contractors’ general liability quotes, it is crucial to understand that the price is influenced by various factors. These include the type of work conducted, claims history, geographical location, and previous coverage.

Through a strategic alliance with reputable insurance providers, our team of professionals will diligently evaluate your business requirements and financial goals, ensuring that we pinpoint the ideal coverage options to meet your unique needs.

What are my Payment Options?

Our specialty programs provide you with multiple payment options for obtaining your refrigeration services liability policy, granting you the autonomy to select the option that best suits your personal preferences.

Full Payment Option – Pay the premium with one payment.
Direct Bill Option – Pay the monthly premium to the carrier directly.
Financing Option – Pay the monthly premium through a finance company.

Why Run with Fairbanks Insurance Brokers?

Our strength lies in construction insurance, allowing us to partner with leading providers across the nation and secure the most affordable rates on general liability insurance for refrigeration contractors. Our overarching goal is to customize coverage that aligns precisely with your unique requirements and financial goals.


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    General Liability

    Appliance installation contractors’ general liability will be the foundation of protection for your business.

    This vital coverage safeguards your business against bodily injury, property damage, and products/completed operations complaints, offering defense costs for third-party lawsuits.

    Workers' Comp

    Most states mandate that appliance installation businesses provide their employees with appliance installers’ workers’ compensation insurance before initiating operations.

    An appliance installation contractors’ workers’ compensation policy will provide financial benefits for medical expenses and lost wages.

    Surety Bonds

    Appliance installation contractors’ surety bonds are a consumer protection product that financially guarantees a project will complete according to the agreed-upon terms of a bid.

    Various job owners or state regulators may require an appliance installation contractors’ surety bond before being allowed to bid on a project.

    Commercial Auto

    Typically, appliance installers will have light and heavy work trucks requiring an appliance installation contractor commercial auto policy to ensure their vehicles can be repaired or replaced in case of an accident, vandalism, or theft.

    An appliance installers’ business auto policy — also known as appliance installation contractors’ commercial auto insurance, provides essential coverage for the following:

    • Combined Single Limits (CSL)
    • Bodily Injury & Property Damage
    • Comprehensive & Collision Damage
    • Uninsured & Underinsured Motorist
    • Hired & Non-Owned Vehicles
    • Medical Payments
    • And Much More

    Inland Marine

    An appliance installation contractor inland marine policy will reimburse expenses to repair or replace tools and equipment.

    Appliance installation contractors’ tool and equipment insurance provides a broad range of coverage for such common perils:

    • Fire Damage
    • Wind Damage
    • Hail Damage
    • Water Damage