HVAC Contractors Insurance

There are different coverages applicable to your business depending on your operations. However, some forms of insurance, such as Commercial General Liability (CGL) are essential to your HVAC business. This will ensure you and your company are protected against liability claims for bodily injury (BI) and property damage (PD) arising our of premises, operations, products, and completed operations. Standard limits for a CGL policy range from $1,000,000 to $5,000,000 + depending on your specific requirements. We also offer coverage for your tools, equipment, and office contents if applicable. It may also be relevant to look into Professional Liability (E&O) coverage if you are doing and design work or operating as a consultant.

Should you be interested in any other types of coverage, don’t hesitate to contact us.

It is defnitely important to cover the tools and equipment that you use on a daily basis as they can be worth thousands (or even ten’s of thousands) of dollars, but damages arising from liability claims can be significantly more costly. We’ll arrange a policy that shields you and your company from not only bodily injury and property damage claims, but the expenses of out-of-court settlements, litigation, and judgments awarded by the courts as well. If damages are filed against your organization or you are sued, our reliable insurers will cover the costs for investigation, attorney expenses, and medical expenses in the case of injury.

Types of work that can be included in your liability coverage for heating and ventilation work are:

• Furnaces
• Air Conditioners
• Indoor Air Quality Controls
• Radiant Heaters
• Residential HVAC
• Commercial HVAC
• and more

Not only are you insuring your liability with this HVAC Business Insurance package, but often times project owners (such as general contractors, school boards, or municipalities) will require to be named “Additional Insured’s” on your policy to be able to do work for them. This option is provided at no additional cost on your policy.

Your HVAC Insurance quote will depend on specific variables that are part of our online application process including:

• Your Operations
• Annual Revenues
• Number of Employees
• Specified Coverages & Limits
• Deductibles
• and more

We are able to offer terms with premiums as low as $800 for annual coverage. Don’t worry! Completing our online application doesn’t cost anything or require you to proceed with coverage once a quote is provided – customer services is our first priority.