Your company is in demand when an air conditioning system breaks down during a spell of 90 degree days, or when a heater goes out as the thermostat registers 20 degrees. But even customers who are glad to see you at first can change their minds if something you do causes injury to them or to their property. And if they're unhappy enough, they may sue. That's why it's a good idea to have HVAC contractor liability insurance as part of your HVAC contractor insurance coverages.
But you don't need to settle for the first HVAC contractor liability insurance policy that you find—and in fact, you shouldn't do it. Comparing HVAC contractor insurance policies and premiums is just good business practice. By shopping around, you'll find the best policies for HVAC contractor liability insurance and other HVAC contractor insurance, with coverages that suit your company's particular needs.
Finding the Right HVAC Contractor Liability Insurance Policy
Getting the HVAC contractor insurance coverage that's right for your company starts with considering the type of work that you do and the risks that you face as you do it.
Do you work primarily for commercial or residential customers or a mixture of both? Are you focused primarily on installation work, as in new construction or remodeling, or do you also handle repairs? Is duct cleaning included in your service offerings? The installation of radiant floor heating? Each service has its particular risks.
Say you're installing a replacement air conditioning system and you find mold in old water lines. If the customer finds mold in the basement a month later—even if there's really no connection to your work—he may blame you for not handling the removal of the old system properly. If that customer decides to sue for damages, HVAC contractor liability insurance would help pay for your legal fees for defending yourself and, if you are found liable, for damages and/or cleanup costs. (Note that most liability policies exclude mold and other pollution coverages, so you'd also want some kind of mold rider or additional policy to cover your risks.)
Fast Comparison Makes HVAC Contractor Insurance More Affordable
Even when you know that you need to beef up your liability and other HVAC contractor insurance coverages it can be hard to find the time. You certainly don't want to call every insurance agent in the phone book, repeat the same information again and again, and wait for them to get back to you. How about a much less complicated process—netquote.com? Simply point your Web browser to the netquote.com website, fill out the form you'll find there and sit back and wait for quotes from several of the leading insurers in your area. Netquote.com is the way to get the insurance coverages you need at a price you can afford, so your company can be protected financially even if something goes very wrong.
See how much you could save today on your insurance. Get your free business insurance quotes today!