HVAC contractors should consider a range of essential coverage including:
- General Liability Insurance: Covers injury or property damage caused during work.
- Workers’ Compensation: Required if you have employees; covers on-the-job injuries from tools, heights, or electrical hazards.
- Commercial Auto Insurance: Protects vehicles used to transport tools, parts, or technicians between sites.
- Tools & Equipment Coverage (Inland Marine): Covers theft or damage to installed or in-transit equipment.
- Professional Liability (E & O): Helpful for HVAC design services or advice in case of performance-related client losses.
- Business Property or BOP Policy: Protects your office, warehouse, parts inventory, and includes business interruption.
Every HVAC pro works in high-risk scenarios—from electrical shock to refrigerant handling—so layered coverage is critical.
