Our HVAC technician insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
You accidentally damage siding on your client’s house while installing a new air conditioning unit. The general liability coverage in your HVAC business insurance package would help pay for a repair or replacement.
Accidents that hurt someone
You set your tools down outside your van, and a passerby trips over them. Your general liability coverage
would also come into play here by helping to pay for medical costs and legal fees.
A client accuses you of installing an air conditioner in the wrong window. E&O coverage
helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
An employee gets a cut that requires a few stitches while repairing a client’s furnace. Workers’ comp coverage
can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.
Injuries and damage involving your business vehicles
During a storm, a tree branch falls on your work truck and shatters the windshield. Commercial auto coverage
will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.
Theft or damage to your tools
Important tools are stolen from one of your work sites. You can choose to add tools and equipment insurance
to your general liability coverage to help pay for replacement costs.
Damage to your own property
A frozen pipe bursts and your office sustains significant water damage. Commercial property insurance
can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.