HVAC contractor insurance to protect your assets and your future.

Whether you’re turning up the heat or keeping the cool air flowing, your customers rely on you to make their home or work environment a comfortable place to be. The unique needs of your business should dictate the HVAC contractor insurance policies you hold and have adequate limits to protect you in the event of unexpected circumstances.

Get HVAC insurance coverage to protect your business.

We believe that insurance is the cornerstone of your business’s financial well-being. Running a business comes with great responsibility, from protecting your and your employees’ livelihood to providing a safe work environment. You are also responsible for delivering your clients a safe, reliable, and quality product and service. That’s why insurance is vital. Accidents happen, and having the right coverage can save you from unexpected financial burdens down the line. Whether it’s property damage, injuries on the job, or errors in your work, having insurance can provide the peace of mind you need to focus on your business.

Understand your coverage options when you buy an HVAC Contractor’s Insurance policy.

HVAC contractor insurance is designed for your business.

Your business likely has a home base of operations, but your employees also travel to various job sites daily. Visiting the homes and buildings of your customers carries specific risks. For example, what if a customer is hurt or damage is done to their property? A general liability policy protects you financially from lawsuits that may arise. In addition, an umbrella liability policy offers additional coverage limits that go beyond the basic policy.

Protection for your materials and equipment.

Damage or loss of materials, tools, and equipment can set back your ability to meet your customers’ needs and complete jobs on time and budget.  If something happens, tools and equipment are costly to replace. Because of this, your property insurance policy must provide coverage for the tools and machinery used to perform your services. Also, consider inland marine insurance to protect items in transit between sites or your headquarters.

Protect your employees on the job.

Workers’ compensation insurance is required by law in New Hampshire and Vermont to protect your employees from the costs of injuries on the job. Accidents happen, and even the most well-trained and careful employees can get hurt on the job. HVAC contractors have physically demanding jobs, placing them in a variety of working conditions. For this reason, having coverage specific to the HVAC industry is vital.

Financial protection for when you advise and consult with your clients

Your expertise is extremely valuable to your business, your customers, and your reputation in the HVAC industry. Customers rely on you for advice and guidance through all phases of the job, including designing and implementing HVAC systems, which may include schematics, technical drawings, proposals, etc. Providing your expertise can open you up to liability claims if the job does not go according to plan. Professional liability insurance or errors and omissions insurance will help protect you from claims arising from mistakes, negligence, or failure to deliver promised services.

HVAC contractors own company vehicles and deploy employees to job sites.

HVAC contractors and their employees are on the move, traveling to and from job sites. Your employees travel and haul equipment utilizing company vehicles such as vans, trucks, and trailers. Company-owned vehicles covered under a business auto insurance policy will offer financial protection if an accident occurs. Commercial auto insurance will cover damage due to vandalism or theft. If employees use their vehicles for business, you’ll also want to purchase hired and non-owned auto coverage.

Don’t neglect the business side of your organization.

Hiring trusted employees is a key to business success, but sometimes things go wrong between employer and employee. Employment practice liability insurance (EPLI) can cover expenses associated with defense against claims of discrimination, harassment, or unlawful termination practices.  Cyber liability insurance is another essential policy to consider, which protects against financial loss and damages due to hackers and data breaches.

Protect your shop, your inventory, equipment, and more

This coverage protects your business property, including equipment, tools, inventory, and office space, from risks such as fire, theft, vandalism, and natural disasters. Commercial property insurance will cover repairs or replacement costs if your HVAC equipment gets damaged or stolen or your office space is affected by a fire.

How much does HVAC Contractors Insurance cost?

Many factors contribute to the cost of business insurance for your HVAC business. The best way to get a quote is to work with an independent agent. They will have a lot of questions regarding your business. They are trying to bring you the best price and ensure you have the right coverage to protect your business. At Colby Insurance Group, we’re a coverage-first agency. Our priority is ensuring you understand what’s necessary to protect your business and livelihood. Once we understand your coverage needs, we can get quotes from insurance carriers who specialize in HVAC insurance and can provide you with a solid insurance plan at a competitive price.

It’s vital to determine your specific insurance needs as an HVAC contractor. Every business is unique, but there are some common factors to consider when choosing the coverage amounts and types that are appropriate for your business:

Ease of doing business – it used to be that sizeable online insurance companies were the ones who offered account access and digital tools to make buying and maintaining your insurance policy easy. Now, Colby Insurance Group has the same tools, giving you more access and more control over your account using Colby’s online customer portal or mobile app. Make payments, file claims, get certificates, see policy details, and more.

When working with an independent agent, you will get an advisor and an advocate on your side. They represent and work for you, not the insurance company. They can help guide you through all aspects of the insurance process. Through experience, they will know which insurance companies work best with HVAC businesses like yours.

You can narrow your options to the most reputable and reliable insurance providers by exploring your options with your agent.

Get Started Today

As an independent agency, we are here to help you find the right HVAC Contractor Insurance coverage.