HVAC Contractors Insurance
Business Insurance for HVAC
Call 877-379-0083 for a free quote or consultation on HVAC liability insurance.
Same Day Coverage
Guaranteed Lowest Rates
We understand heating, ventilation & air conditioning (HVAC) contractors—whether your business is large or small, even just a self-employed person. Our HVAC contractors insurance and HVAC bonds are designed to meet the unique needs of HVAC contractors.
Your Liability as an HVAC Contractor
You're already aware of the potential hazards of being an HVAC professional:
HVAC Contractors! Protect yourself and your business with HVAC liability insurance. Request a quote today from Salvador Insurance Agency.
- damage to customer's property
- misunderstood instructions from the customer
- slips, trips & falls
- lost or stolen materials & tools
- project delays
- injuries to customers or employees
Many small business owners mistakenly believe that the incorporation process (Inc, LLC, etc.) completely separates their business from their personal assets. Unfortunately, any prosecuting attorney can easily attack your personal assets. HVAC liability insurance makes sure that you are covered no matter what type of legal entity you have chosen for your business.
There are other risks too. Expensive tools have a habit of getting lost, damaged or stolen – and, typically, at just the wrong time. What if you can’t afford to replace them immediately? There could be costly delays to the job. But if your HVAC contractors insurance includes tools and equipment coverage, your problems are solved.
And don’t forget that if you have anybody working for you – even on a casual basis – you’ll need workers compensation insurance as part of your business insurance for HVAC.
HVAC Contractor Insurance: Chicago & Nationwide
HVAC General Liability Insurance
Unfortunately for every business owner, the chances of getting sued have dramatically increased. A general liability insurance policy that is designed for H.V.A.C. contractors can prevent a legal suit from turning into a financial disaster by providing insurance protection in case your business is ever sued or held legally responsible for some injury or damage. Your policy may include:
- property damage coverage
- bodily injury coverage
- legal defense costs
- contractual liability coverage
- products liability coverage
- and more…
Workers Compensation Insurance for HVAC
Workers Compensation Insurance is designed to help HVAC contractor companies pay benefits to employees who are injured on the job. In most states, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Bonds, including HVAC performance bonds, are commonly used in the construction industries as an assurance between the contractor and the client as well as between a general contractor and his or her subcontractors.
- Payment and Performance Bonds
- Bid Bonds
- Contract Bonds
- Subcontractor Bonds
- License & Permit Bonds
- and more…
Inland Marine Insurance
Any HVAC contractor who regularly moves expensive materials, equipment, or supplies from one job site to another job site should have some type of inland marine insurance. This way, in the event of an accident, the goods or materials being shipped are protected separately from your auto policy.
An umbrella insurance policy plugs holes in your existing coverage. It provides additional protection that kicks in when the primary HVAC liability insurance coverage has been exhausted.
for a free quote or consultation.