As a heating, ventilation, and air conditioning (HVAC) contractor, your job comes with its fair share of risk. An employee may be injured on the job or a client’s house may incur damage during installation or maintenance causing your company to lose value if the loss isn’t properly insured. For example, a company that operates on a 5% profit margin and has a $25,000 uncovered loss would need to generate $500,000 in additional sales to maintain the same income, ($25,000 / 5% = $500,000).
As HVAC contractor insurance specialists, we will assess your risks from all angles. We will then discuss the benefits of each line of coverage needed to keep your business protected and financially healthy. Coverages to consider:
· General Liability and Property, including Inland Marine
· Commercial Auto
· Worker’s Compensation
· Commercial Umbrella
· Cyber Liability (cyber-crimes are on the rise in small to medium size companies)
· Employment Practices Liability (covers 17 common lawsuits and EEOC complaints)
· Other coverages as needed We know that no two HVAC businesses are alike, so we work with multiple insurance carriers to find the coverage that’s the best value for you. Put us to work for you today!