HVAC Contractor
Coverage —
Essential Safeguard
for Your Business
HVAC contractors insurance gives you the confidence to work on any construction site, knowing that you are protected from unforeseen incidents.
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Why HVAC Professionals Need Coverage
Working in HVAC services involves diverse tasks, each carrying distinct risks. Without the appropriate insurance, even a minor accident could lead to significant financial loss. HVAC Contractor Insurance is critical for your business, protecting against:
- Injury Risks: HVAC work includes tasks like climbing ladders or handling heavy machinery, increasing the likelihood of accidents. Workers’ compensation coverage ensures that medical expenses and lost wages are covered for any injured employees.
- Property Damage: Installing or repairing HVAC units often happens in clients’ homes or businesses. Accidental damage, such as a misstep leading to a broken pipe, could result in costly repairs. General liability insurance covers these unexpected incidents.
- Legal Liabilities: If a client claims your work caused harm or damage, the costs of legal defense and settlements can be overwhelming. Liability insurance shields your business from these claims, safeguarding your financial stability.
Did you know?
Just because insurance companies consider these factors, doesn’t mean every approach to these factors is shared by every company out there. Your needs, your background, and your history make your company and every other company out there unique – which is why we work with you to get you the best quote possible.
Common Hazards Faced by HVAC Contractors
The HVAC industry poses numerous physical risks that require proper protection. Without reliable insurance, an accident could threaten your operations. Having HVAC Contractor Insurance ensures your business, employees, and clients are protected.
- Falls: HVAC professionals frequently work in elevated areas, such as rooftops, where falls are a major risk.
- Burns and Scalds: Handling hot components like boilers and heating systems increases the chance of burns or scalding injuries.
- Electrical Mishaps: Dealing with wiring or electrical systems can result in shocks, electrocution, or even fires if not handled properly.
- Tool and Equipment Failures: Faulty or misused tools can lead to injuries and disrupt your workflow.
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Coverage Options for HVAC Contractors
To fully protect your business, HVAC Contractor Insurance offers several coverage types. Below is an overview of the essential options available for HVAC professionals:
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General Liability:
Working on client sites means accidents can happen. General liability insurance covers property damage or injury claims, such as when a client’s property is inadvertently damaged during installation or repair. This coverage handles medical bills, repair costs, and legal expenses, shielding your business from significant financial hits.
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Workers’ Compensation:
Given the physical nature of HVAC work, this coverage ensures your employees’ medical costs and lost wages are covered if they’re injured on the job. It also helps you comply with legal requirements, reducing your exposure to lawsuits.
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Equipment Protection:
Your tools are essential to your services, and equipment insurance covers the loss, damage, or theft of those tools, helping you avoid service interruptions.
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Commercial Vehicle Coverage:
HVAC contractors frequently use vehicles to transport equipment and materials. Commercial auto insurance covers those vehicles in case of accidents, damage, or theft, keeping your operations running smoothly.
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Customized Solutions:
Every HVAC business has unique needs. Our custom insurance plans are tailored to your specific operations, whether you’re working independently or managing a team. From high-risk activities to specialized equipment, we ensure complete protection without unnecessary costs.
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What Does HVAC Contractor’s Insurance Cover?
While it is unlikely that a third-party or client can get injured during an installation or maintenance procedure, the aftereffects of shoddy work can cause health problems or structural damage that your company may be liable for if you’re not covered.
We have provided examples of common occurrences in the material below to explain how a claim against an HVAC contractor can be made:
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Injuries to the Body:
Injuries which directly affect a third party or client at your worksite.
Example: Air conditioners must be consistently cleaned and sanitized during routine inspection. If an HVAC contractor fails to do this, a client may contract Legionnaire’s Disease, a bacterial infection that affects the respiratory system.
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Damages to the Property:
This includes any sort of damage directly related to whatever work was completed on the affected property.
Example: A water heater is improperly installed and causes damage to the building it is meant to provide hot water for.
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Personal Injury:
Personal injuries are any sort of damages done to the reputation or image of a client based on your work.
Example: The heating system of a local business is damaged during a routine maintenance call and is not reported. As a result, the building’s carbon monoxide detectors consistently go off, creating delays in productivity.
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Advertising Injury:
If a competitor loses assets due to false arguments made by your company in an advertisement, it can be considered an advertising injury.
Example: An advertisement you approved states that your company alone offers ventilation repair, a local competitor sues for damages based on unfairly lost business.
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Medical Payments:
Due to the fault of an HVAC contractor, the third party or client has accrued medical bills.
Example: An air conditioning failure after installation causes a resident to suffer heat stroke. An ambulance is called, rehydrating supplies like IVs are used, and there is a trip to the ER – all of which need to be paid by the contracting company for negligence.
HVAC Contractor’s Insurance Rates And Coverage
This table displays typical rates and coverage for HVAC Contractor’s General Liability
for $1 Million/$2 Million Policy.
| State | Coverage | Guard | Next Insurance | Liberty Mutual | Attune | Nation Wide | Tokio Marine |
|---|---|---|---|---|---|---|---|
| IL | 1M/2M | $1819 | $689 | $1826 | $1223 | $1788 | $936 |
| IN | 1M/2M | $1733 | $610 | $1745 | $1158 | $1715 | $936 |
| CA | 1M/2M | $1835 | $798 | $1850 | $1256 | $1794 | $1100 |
| PA | 1M/2M | $1710 | $680 | $1745 | $1158 | $1741 | $936 |
| WA | 1M/2M | $1736 | $650 | $1750 | $1140 | $1736 | $775 |
| GA | 1M/2M | $1720 | $660 | $1745 | $1120 | $1700 | $800 |
| CO | 1M/2M | $1720 | $642 | $17000 | $1110 | $1690 | $800 |
| TX | 1M/2M | $1720 | $610 | $1700 | $1096 | $1720 | $750 |
Annual premium above includes unlimited certificates of insurance.
Rating assumes 150,000 gross revenues for HVAC Contractors/general contracting with 10% subcontractor costs.
Premium are subject to underwriting approval and financing charges may apply.
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Benefits of Choosing Our Insurance
When you partner with us for HVAC Contractor Insurance, you gain access to tailored benefits designed for your needs. Here’s what you can expect from our services:
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Affordable Rates from Leading Providers:
We collaborate with renowned insurers to offer competitive rates that fit your budget. Our HVAC liability policies are priced affordably, ensuring your business is well-protected no matter your location.
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Efficient Claims Handling:
We work with insurers known for their swift claims processing, helping you get back to work with minimal disruption. Our goal is to ensure your business remains operational without delays.
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Flexible Payment Plans:
We understand the financial demands of HVAC projects, so we offer various payment options, including quarterly or annual plans, ensuring continuous coverage without straining your budget.
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Professional Insurance Advisors:
Our experienced team helps you navigate the complexities of HVAC insurance. We offer personalized advice to ensure your policy includes everything from general liability to workers’ compensation.
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Nationwide Availability:
Stay compliant with specific state regulations by consulting our comprehensive insurance guides for HVAC contractors across the country. Operating legally and safely will give your business the edge to thrive.
What Happens If I Don’t Get HVAC Contractor’s Insurance?
If not having general liability insurance is illegal in your state of operation, the government may fine you for it. However, if there is a serious accident that is your fault, you could end up paying far too much in damages than it’s worth.
Contractors Liability recommends getting the right liability coverage for your company, HVAC contractor’s insurance is no exception if you work with air conditioning units, heating units, or ventilation systems. If you’re interested in finding this specific type of coverage, contact Contractors Liability give us a call for a 5-minute quote.
Real-World Success Stories
Our HVAC Contractor Insurance has proven invaluable for professionals facing unexpected events:
Protect your HVAC business today. Contact us for a free consultation and get a customized insurance plan that fits your specific needs. Make sure your operations are covered before any incident occurs.
Here’s What Contractors Think
Frequently Asked Questions
State law ultimately determines whether such insurance is mandatory or not. Sometimes general liability insurance is not required; however, it is highly recommended that you obtain HVAC contractor’s insurance regardless. In an accident that is your fault occurs, your reputation and your assets are covered – thanks to this form of specialized general liability.
Workers Compensation is a separate policy from HVAC contractor’s insurance because the latter covers only third parties and their property in the case of an accident. Specialized general liability is excellent at protecting you against slander, libel, or other defamation costs. However, you will need to purchase worker’s compensation if you want to cover employees that sustain an injury.
It’s not easy working on a rooftop or in a basement all day. We take your experiences into account and try to implement those risks into a plan that is yours and yours alone. When you work with Contractor’s Liability, you can be guaranteed to receive:
- A-rated policies from insurance companies that you know and trust.
- Customized plans cover all potential problems that might affect HVAC contractors.
- Informed, licensed insurance agents with contracting experience are there to assist you.
- Comprehensive coverage at prices you can afford.
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