HVAC Contractor Insurance provided by Browne Insurance Services

In an industry that works extensively on ventilation systems inside different residential and commercial properties, each project presents a varying risk level. Accidents causing property damages or injuries can spark lawsuits against your business, quickly disrupting your operations. Having the proper risk management strategy in place is essential for your business’s survival.
What is HVAC Insurance?

HVAC Insurance is a policy package that provides financial coverage for the common risks associated with operating as an HVAC technician, such as third-party injury or property damage.

There is a significant amount of liability exposure involved in keeping customers’ homes warm, cool, and free of excess water and dangerous gas. Not only can this job cause injury to HVAC employees, but residential and business customers can become injured and property can become damaged, potentially resulting in costly lawsuits.

These are some of the related types of insurance we offer to protect industry professionals from risk.

What types of insurance do HVAC contractors need?

General liability insurance – This policy covers basic 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 that have employees. It covers medical costs for work injuries.

Commercial auto insurance – This policy covers property damage and injuries involving HVAC company vehicles, as well as repairs to vehicles damaged by vandalism or weather.

Contractor’s tools and equipment insurance – This policy helps pay for repair or replacement of an HVAC contractor’s psychrometers, multimeters, and other tools if they are lost, stolen, or damaged.

How much does HVAC insurance cost?

Several factors will have an impact on insurance costs, including:

  • Installation services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
What are the benefits of HVAC insurance?

Having the proper insurance coverage for your business could provide the financial protection you need in the event of a lawsuit. Additionally, most property owners will be expecting their HVAC contractors to be adequately insured. Having a certificate of insurance may help you secure contracts on projects that require liability coverage.

If you’re unsure about the right kind of HVAC coverage for your business, speak to us and we can help customize a policy tailored specifically towards your needs.

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As an independent agency, Browne Insurance Services
Helps you find the right HVAC Contractor Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • Commercial General Liability
  • Business Owner’s Policy
  • Commercial Auto
  • Worker’s Compensation
  • HVAC Inland Marine Coverage

Commercial General Liability Coverage

Risk Factors

While carrying an heavy equipment, an employee damages the furniture of your clients property. You are liable to pay for the damages.

Solution

Your general liability policy would cover the cost of repairs for the damages done by your employee.  

Business Owner’s Policy Coverage

Risk Factors

A fire breaks out in your office complex and spreads to your storage area, destroying much of your equipment. 

Solution

Your business owner’s policy would help you cover the the costs of repairs and to the property and damages to your equipment.

Commercial Auto Coverage

Risk Factors

If any of your company vehicles are involved in an accident, you have to pay for third-party bodily injury, property damage, or pollution cleanup.

Solution

Commercial Auto policy would cover any expense for the medical care of the other driver and repair his property

Workers Compensation Coverage

Risk Factors

If any employee is injured while performing his job, is involved in a job related accident, or becomes ill from work he performs, the business stands liable for the same.

Solution

Running a successful winery requires many different skills and hands. If the business faces any of the above issues, workers compensation coverage can help you cover your liabilities.

HVAC Inland Marine Coverage

Risk Factors

Some of your equipment and tools have been stolen from the job site. You will have to buy new equipment and fast so that you finish your clients work before or on deadline.

Solution

Inland marine insurance covers the equipment your employees take with them to perform their work.

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