HVAC Contractor Insurance

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HVAC insurance provided by Insurance Incorporated.

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Do you own or manage an HVAC company? If so, you’re required to carry specific types of insurance coverage. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business’ unique needs are protected.

Coverage for every type of HVAC contractor.

You work hard for your business. Protecting your investment comes at a minimal cost. The cost of heating, ventilation, and air conditioning insurance is based on many factors, including the types of clients you service, gross annual sales, the total number of employees, the amount of business property that needs coverage, and the types of policies you request.

The benefits of general liability for HVAC contractors.

General liability insurance is one of the most popular and basic types of insurance coverage an HVAC business has. It provides coverage for bodily injury or property damage your company may cause, even by accident. If an employee is replacing a water heater and installs it incorrectly, creating thousands in water damage, your company would be liable.

Protection for the equipment you use.

Most HVAC companies have a fleet of trucks equipped to handle a long day servicing clients on the road. Any vehicle being driven for commercial use should be insured under a commercial auto insurance policy. Most insurance companies will deny claims from accidents that occurred while driving the vehicle for business purposes.

Coverage for your employees.

Some states, like California, require that all heating, ventilation, and air conditioning companies with one or more employees carry a workers’ compensation insurance policy. It can provide coverage for medical payments or loss of income to employees who are injured on the job. HVAC employees drive long distances, climb ladders, and use heavy equipment. The likelihood of an HVAC employee getting injured on the job is much higher compared to an employee working in the office or at a desk.

Additional coverages to consider for your business.

We also provide protection to contractor’s tools and equipment, employment practices liability, building coverage, umbrella insurance, and many other types of coverage options. Consider these additional solutions to protect the business you work hard for.

Don’t subject your business to financial loss. Contact our agency to learn more about your HVAC business options.

HVAC Contractor Insurance - Closeup of Contractor Working on an Air Conditioning Unit

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