Through your work as an HVAC contractor, you work hard to keep people comfortable by installing and maintaining the heating, ventilation, and air conditioning in their homes, business, and other properties. However, even an experienced HVAC contractor can find themselves entangled in a complex, expensive lawsuit when an injury or accident occurs, which is why it’s necessary to have the right insurance to protect you and your HVAC contractor business. When injuries occur as a result of issues like exposed or faulty wiring, exposure to toxic materials like asbestos, or job site risks like heights or heavy equipment, it could lead to liability issues that could severely impact your HVAC contractor business. If you have the right HVAC contractor insurance, it can protect you against risks like these.
General Liability Insurance: General liability insurance will protect you from bodily injury and property damage coverage. This is the most common type of contractor coverage.
Commercial Auto Insurance: This is coverage for your vehicle. If you’re using your pickup truck for work-related purposes, you need to have a special policy for commercial use.
Commercial property insurance: Commercial property insurance protects commercial property from perils such as fire, theft and natural disaster.
Workers’ Compensation: This coverage is regulated by the state. If you run a business by yourself, you don’t necessarily need workers’ comp insurance. The coverage protects your workers from work-related injuries until they can get back to work.
Summary: As one of the nation’s leading insurance agencies, Modern Insurance Partners offers robust, unique HVAC contractor insurance to meet your needs, and we’ll protect your business so you don’t have to.