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Multiple coverage options to choose from
General liability insurance – This policy covers primary 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 with employees. It covers medical costs for work injuries.
Commercial auto insurance – This policy covers property damage and injuries involving HVAC company vehicles and repairs to vehicles damaged by vandalism or weather.
Contractor’s tools and equipment insurance – This policy helps pay for repairing or replacing an HVAC contractor’s psychrometers, multimeters, and other tools if they are lost, stolen, or damaged.