What Type of HVAC Insurance Coverage Do You Need

Get Adequate HVAC Insurance in Durham

Having their business properly insured is something a lot of small business owners consider as an afterthought. Don’t get stuck in a tight spot if something goes wrong. Being prepared for the worst with appropriate insurance is the best thing you can do for your employees and customers. Appropriate HVAC contractor insurance can be determined by considering the type of work your business does and the risks that you and your employees face on a daily basis. Working on the property of your customers and clients can make you particularly vulnerable to legal action. Hence, liability insurance is not an option but a necessity to protect your hard working employees and company.

You may be excited by a warm spell, as air conditioners fail and customers flock for your services. Your customers’ anticipation and relief upon seeing your employees arrive may dissipate if the work completed somehow ends up causing damage to their property or causes injury. Depending on the extent of the accident and how badly upset the customer is, you may be faced with legal action. HVAC contractor liability insurance in Durham will protect you from this type of incident. As part of your insurance coverage, it can provide you with peace of mind.

Before choosing your HVAC insurance policy, answer the following questions:

  • What type of clients do you have? Do you work primarily for commercial or residential customers or a mixture of both?
  • What type of services do you offer? Are you focused primarily on installation work, as in new construction or remodeling? Do you also handle repairs?
  • What risks are associated with your work? Is duct cleaning included in your service offerings? What about the installation of radiant floor heating? Different services have particular risks that need to be outlined and included in your coverage.

It is a good idea for any business owner to compare insurance options that are available to them. Shop around for policies and premiums to get the best price and policy coverage. HVAC contractor liability insurance includes a range of policy types, and you should take the time to find the one that is suited to the unique requirements and risks associated with your business.

Work Tools Kept on Outdoor Air Conditioning Units

Unfortunately, shopping around does takes time. You know that proper liability insurance coverage is important but you may not have the time or resources to research the specifics of policies and compare the available options. In an industry without a ‘slow season’, finding the time for more comprehensive insurance can seem daunting and easily slide off the priority list.

Don’t operate without protection – Petley-Hare offers an easy-to-use and exhaustive online insurance quoting tool that can help you find the perfect insurance policy for your company. Avoid making extensive and repetitive phone calls and online searches. Use our convenient insurance quoting services to find the right liability coverage fast. Trust our experienced Durham insurance brokers to get you the perfect coverage policy at the right price.

Get the HVAC contractor insurance coverage that is suitable for your company. Contact Petley-Hare at 1-647-557-6653 for more information.