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Get the insurance you need to protect your HVAC business today

As an HVAC business owner, protecting your company and employees is essential. Without the right insurance coverage, you could be held liable for accidents or damages that occur on the job.

We offer HVAC commercial insurance tailored to your unique needs. Our policies include liability coverage, workers’ compensation, equipment insurance, commercial property insurance and more. With our insurance solutions, you can focus on growing your business and leave the risk management to us. Contact us today to get the coverage you need to protect your HVAC business.

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HVAC Insurance: Protecting Your Business and Employees

As an HVAC business owner, you know the importance of providing quality services to your customers. However, it's just as important to protect your business and employees with the right insurance policies. HVAC insurance can help you minimize risks, reduce financial losses, and ensure that your business can continue to operate in the event of unforeseen circumstances.

What Is HVAC Business Insurance?

HVAC business insurance is a combination of commercial insurance coverages that is designed to protect heating, ventilation and air conditioning companies and their employees from financial losses resulting from accidents, property damage and other liabilities.

Top HVAC Business Risks

HVAC insurance can provide coverage for a range of risks, including:

  • Property damage: Accidental damage to a customer's property, such as a broken window or a damaged wall during an installation or repair.
  • Bodily injury: A customer or employee getting injured due to a slip and fall, electrocution, or other accidents while on the job site.
  • Product liability: HVAC equipment malfunctioning and causing damage or injury to customers, such as carbon monoxide poisoning.
  • Professional liability: Allegations of negligence or errors in installation, repair or maintenance work that cause property damage or bodily injury.
  • Auto accidents: Accidents involving HVAC company-owned vehicles, such as work trucks or vans, can result in property damage, bodily injury or liability claims.
  • Business interruption: Unforeseen events such as fires, floods, or theft can disrupt business operations, leading to loss of income or additional expenses.
  • Cyber liability: A data breach or hacking incident that results in the loss or theft of sensitive information, such as customer data or financial records.

Having HVAC business insurance is essential for protecting your company's assets, employees, and reputation. It can also help you comply with state and federal regulations, meet contractual requirements, and give you peace of mind that your business is covered in case of an unexpected event.

Types of HVAC Insurance

Common business insurance policies include general liability, professional liability, workers’ compensation and equipment insurance. Some businesses bundle several coverages into a single policy, as we’ll cover below

HVAC Liability Insurance

General liability insurance, or simply liability insurance, is a type of coverage that protects against third-party claims of bodily injury and property damage. This policy can help you pay for legal fees and other lawsuit expenses. It's considered a basic insurance coverage that all businesses need.

HVAC Workers’ Compensation Insurance

Workers’ compensation insurance is designed to protect your employees if they become injured or ill as a result of their work. This policy can provide coverage for medical expenses, lost wages, rehabilitation costs, etc. In most states, workers’ compensation insurance is required by law for businesses with employees.

It's important to understand your state’s workers' compensation insurance requirements, especially if you work with subcontractors. If you hire subcontractors, it's the responsibility of the general contractor to cover them under a work comp policy or require them to show proof of their own insurance.

Construction and trade contractors are considered higher risk due to the physically demanding nature of their work and the potential hazards that come with it. Hazards include working with heavy equipment, dangerous tools, and working at heights above 15 feet.

HVAC Commercial Property Insurance

Commercial property insurance, like a residential property policy, provides coverage for your business's physical assets, which can include buildings, inventory and equipment. This policy can help you recover from damages caused by fire, theft, vandalism, or other covered perils. Commercial property insurance is often required by landlords or lenders and can be customized to meet your business's specific needs.

HVAC Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) is an insurance policy that combines property and liability coverage in one. A BOP policy is often the most cost-effective way to get the coverage your small business needs.

HVAC Equipment Insurance

Equipment insurance can provide additional coverage to protect your business's tools, machinery and other equipment. It can provide coverage for equipment breakdown, repair costs or replacement expenses. This policy is essential for HVAC businesses because they rely on specialized tools and equipment to perform services.

HVAC Commercial Auto Insurance

Commercial auto insurance is necessary to protect your business's vehicles and drivers from accidents, damages and other liabilities. This policy can provide coverage for bodily injury, property damage, and collision or comprehensive damages. Commercial auto insurance is essential for HVAC businesses that use vehicles for transportation to and from job sites, equipment deliveries, or other business-related activities.

HVAC Professional Liability Insurance

Professional liability insurance, also known as errors and omissions (E&O) insurance, is designed to protect your business from claims of negligence or mistakes. This policy can provide coverage for legal fees, damages, and other expenses associated with a lawsuit. Professional liability coverage is essential if your HVAC business provides any design, engineering or consulting services.

HVAC Umbrella Policy

An umbrella policy provides additional liability coverage beyond the limits of your other insurance policies. This policy can provide an extra layer of protection against catastrophic losses and unexpected events. Umbrella insurance can be customized to meet your business's specific needs and risks.

Why Get HVAC Insurance?

There are several reasons why HVAC businesses need insurance. It can help protect your business from financial losses that can occur due to unexpected events. For instance, if your business is sued, you could face substantial legal expenses that could drain your resources.

Insurance can help cover these costs, so you don't have to worry about paying out of pocket. Additionally, insurance can help protect your employees if they're injured on the job, and some coverages like workers’ comp may be required, depending on your business location.

Insurance Needed for Different Types of HVAC Businesses

Different types of HVAC businesses have different insurance needs. For instance, a small HVAC business may have different insurance requirements than a larger company. Additionally, an HVAC contractor may need different insurance coverage than a self-employed technician.

Small Business Insurance

Small business insurance is essential for any HVAC business with fewer than ten employees. This type of insurance provides protection for your business and employees against unexpected events, such as accidents or legal claims. Small business insurance typically includes general liability insurance, workers' compensation insurance, and commercial property insurance.

HVAC Contractor Insurance

As a contractor, you still need to protect your business, property including specialized equipment, and work vehicle. General liability insurance would protect them against property damage or bodily injury claims caused by their work. Commercial auto insurance will protect any work trucks or vans. Property and/or equipment insurance will cover any tools or equipment that you transport.

Workers' compensation insurance may not be legally required without employees, but it may be required in some states for subcontractors. Plus, proof of coverage may be necessary for some jobs, like government contracts.

Lastly, professional liability insurance could be valuable in case of errors or omissions in their work that cause harm to a customer.

Self-Employed HVAC Technicians

If you're a self-employed HVAC technician, you still need insurance to protect yourself and your business. While you may not need the same level of coverage as a larger company, you should still consider obtaining liability insurance, workers' compensation insurance, and commercial property insurance. These policies can help protect you and your business against unexpected events, such as accidents or legal claims.

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Cost of HVAC Insurance Policy

As an HVAC business owner, you know that having insurance is crucial to protecting your business and employees from unforeseen events. However, the cost of insurance can be a concern for small business owners with limited budgets. The cost of your HVAC insurance policy will depend on several factors.

Factors that Affect HVAC Insurance Costs

One factor that affects the cost of HVAC insurance is industry risks. HVAC businesses are exposed to certain risks, such as property damage, bodily injury, and product liability.

Another factor is the size of your business. Larger businesses may have higher premiums due to higher liability exposure. The coverage amount also affects the cost of insurance, with higher coverage amounts resulting in higher premiums.

Finally, your business's location can also impact the cost of insurance, as some states have higher insurance rates than others, and different insurance requirements than others.

How to Save Money on HVAC Insurance

While insurance is an essential expense for your business, there are ways to save money on your HVAC insurance policy:

  • Bundling insurance policies, such as combining HVAC liability and property insurance, can lower premiums.
  • Implementing risk management strategies, such as employee safety training and equipment maintenance, can reduce claims and lower premiums.
  • Comparing HVAC insurance quotes from different providers can help you find the best coverage at the most competitive price.

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