HVAC Contractor Insurance provided by Altima Auto Insurance Agency .
What is HVAC Contractor Insurance?
What type of insurance do HVAC Contractor need ?
General liability insurance – This policy covers basic 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 that have employees. It covers medical costs for work injuries.
Commercial auto insurance – This policy covers property damage and injuries involving HVAC company vehicles, as well as repairs to vehicles damaged by vandalism or weather.
Contractor’s tools and equipment insurance – This policy helps pay for repair or replacement of an HVAC contractor’s psychrometers, multimeters, and other tools if they are lost, stolen, or damaged.
Several factors will have an impact on insurance costs, including:
Having the proper insurance coverage for your business could provide the financial protection you need in the event of a lawsuit. Additionally, most property owners will be expecting their HVAC contractors to be adequately insured. Having a certificate of insurance may help you secure contracts on projects that require liability coverage.
If you’re unsure about the right kind of HVAC coverage for your business, speak to us and we can help customize a policy tailored specifically towards your needs.
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