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As an HVAC technician, you’ve got a lot on your plate. From dealing with customer emergencies to preparing for the winter and summer seasons, you need business insurance that keeps up with you.
That’s where Simply Business comes in.
You see, we’re more than an online business insurance brokerage. We build highly unique, tailored, and affordable policies based on what you need. There’s no overpaying for coverage. No one-size-fits-all policies. Just insurance designed specifically for HVAC technicians like you.
Since HVAC technicians and contractors work in clients’ homes, it’s safe to say you face a lot of unique risks. For example, if you end up installing a faulty cooling system in a customer’s home, you could be liable for any resulting damages. Or let’s say you leave your tools out and a customer trips over them. If the customer gets hurt, you might have to pay out-of-pocket for their medical bills.Get Your Quote
General liability insurance for HVAC technicians and contractors - also known as commercial general liability (CGL) insurance - is a type of policy that covers the costs of third-party accidents and property damage caused by you and your business. Without this type of coverage, you may need to pay out-of-pocket for these costs.
General liability usually covers:
General liability insurance usually does not cover:
Learn more about General Liability Insurance.
Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer alleges negligence from your HVAC services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay.
Professional liability insurance usually covers:
Professional liability insurance usually does not cover:
Workers compensation insurance can provide your HVAC business with protection if any employees get sick or injured while on the job. This type of policy is usually required by law as soon as you hire your first employee, so it’s a good idea to add it to your insurance coverage.
Here’s how workers compensation insurance works:
Learn more about workers compensation insurance.
While HVAC insurance costs vary from business to business, you can get a good estimate for your policy’s price based on: * The number of employees and subcontractors you have * Your business location * The type of HVAC services you provide * And more
Want to find out how much your HVAC business insurance may cost? Just click here to answer a couple of questions about your business.