As the owner of a Heating, Ventilation and Air Conditioning business, your life is busy. Your company may service residential customers, commercial customers, government buildings and more. It is stressful enough to keep track of installation and maintenance schedules for employees and customers. The last thing your business needs is to worry about potential legal issues, accidents, injuries and natural disasters. Commercial small business insurance packages can be tailored to fit your HVAC business’s exact needs, and grow with the company as it grows.
Protects your company from legal claims that might arise from accidents, as well as damages that can occur to your business assets. For example, if a customer receives a bodily injury while selecting a new heat pump inside your store, your company could be legally obligated to pay the subsequent medical bills and expenses. With general liability coverage, the insurance policy takes care of those claims instead. It can also protect you from financial loss and ruin caused by natural disasters and other calamities such as water damage from a burst pipe or smoke and fire damage.
A business owners insurance policy (BOP) provides you with tangible and intangible property protection as well as general liability. A BOP can be customized to fit the way you operate your specific HVAC business.
Traveling to your customer’s jobsite to perform repairs and services, or install new heating and air conditioning equipment puts your company at risk of having auto accidents. A commercial auto policy protects you from losses, damages and medical bills that may arise.
Each state in the country requires you to carry coverage for your employees. This insurance pays their medical expenses if they are ever hurt while working.
Let the Payne Insurance & Financial Services help you understand and protect all the risks you run and all the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our HVAC Insurance policy holders.