General liability insurance โย This policy covers primary third-party risks, such as damage to a clientโs home while moving HVAC equipment. Bundle with commercial property insurance for savings in a BOP.
Workersโ compensation insurance โย Workersโ comp is required in almost every state for residential and commercial HVAC businesses with employees. It covers medical costs for work injuries.
Commercial auto insurance โย This policy covers property damage and injuries involving HVAC company vehicles and repairs to vehicles damaged by vandalism or weather.
Contractorโs tools and equipment insurance โย This policy helps pay for repairing or replacing an HVAC contractorโs psychrometers, multimeters, and other tools if they are lost, stolen, or damaged.