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HVAC Contractor Insurance

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Arnold Smith Insurance/ HVAC contractor insurance

HVAC Contractor Insurance Provided By Our Agency

Each project presents a varying risk level in an industry that works extensively on ventilation systems inside different residential and commercial properties.

Accidents causing property damages or injuries can spark lawsuits against your business, quickly disrupting your operations. Therefore, the proper risk management strategy is essential for your business’s survival.

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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.

What is HVAC Contractor Insurance?

HVAC Insurance is a policy package that provides financial coverage for the common risks associated with operating as an HVAC technician, such as third-party injury or property damage.

A significant amount of liability exposure is involved in keeping customers’ homes warm, cool, and free of excess water and dangerous gas. Not only can this job cause injury to HVAC employees, but residential and business customers can become injured, and property can become damaged, potentially resulting in costly lawsuits.

These are some related types of insurance we offer to protect industry professionals from risk.

What type of insurance do HVAC Contractors need?

General liability insurance – This policy covers primary third-party risks, such as damage to a client’s home while moving HVAC equipment. Bundle with commercial property insurance for savings in a BOP.

Workers’ compensation insurance – Workers’ comp is required in almost every state for residential and commercial HVAC businesses with employees. It covers medical costs for work injuries.

Commercial auto insurance – This policy covers property damage and injuries involving HVAC company vehicles and repairs to vehicles damaged by vandalism or weather.

Contractor’s tools and equipment insurance – This policy helps pay for repairing or replacing an HVAC contractor’s psychrometers, multimeters, and other tools if they are lost, stolen, or damaged.

How much does HVAC Contractor Insurance cost?

Several factors will have an impact on insurance costs, including:
  • Installation services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees

Already have HVAC Contractor Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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