If you work as an HVAC contractor on your own or you own an HVAC business you will need to make sure you have the right HVAC contractor general liability insurance. Whether you’re offering your services to residential homes, commercial buildings or both, this type of coverage will provide you and your clients with the protection that is needed to ensure every job goes as smoothly as possible.
Even if HVAC is not the only service you offer, you will need to have HVAC contractor general liability coverage as part of your businesses overall insurance policy. When considering this type of coverage it is very helpful to learn more about what it is, why it is needed and what types of things it covers. Of course, knowing how to get the best coverage at the lowest price is also essential.
HVAC contractor general liability is a type of insurance that will provide an important layer of protection to your business should something go wrong. If you install a new furnace, for example, and during the installation you cause damage to the building, this type of insurance can cover the costs of repair. While that is one of the better known types of coverage, you’ll actually get a lot more. If someone slips and is injured at your work area or your building, that will be covered in most cases as well.
Even things like false advertising suits and problems caused by a third party contractor will be covered when you have a good HVAC contractor general liability policy.
Many HVAC contractors think that they don’t need this type of coverage because major problems are rare when you provide quality work. The fact is, however, that even the best of contractors can make mistakes or have problems with equipment. One lawsuit can end up costing you your entire business if you don’t have the right coverage. In addition, most HVAC jobs in New York, NJ and CT require the contractor to hold this type of insurance so getting a good policy is necessary for bidding on many jobs.
When you’re shopping for a good HVAC contractor general liability policy for your business you will want to make sure you are working with the best. Here at GMI Brokerage Corp we will talk with you about the details of your business and then get you the best quotes from all the top insurance providers in the area. This can help ensure you get the level of coverage you need at the lowest possible prices. We can typically get you a free, no obligation quote for your policy in under an hour. This can be very helpful if you’re just starting out or you are told you need a policy to bid a job.
If you’d like to learn more about HVAC contractor general liability insurance please don’t hesitate to give us a call. We can be reached at either 212-671-2562 or 718-676-9743. We look forward to helping you find the insurance policies you need at the best prices in CT, NJ or NY.