Comprehensive Insurance for HVAC Contractors

While you are good at providing great service for your HVAC customers, you may not be as well versed in protecting your business from unforeseen claims. HVAC contractor insurance protects your business from lawsuits and property losses. It can also include company-owned autos and license bonds for municipalities that require bonding. At W.E. Davis Insurance Agency, we have extensive expertise at insuring businesses like yours. We also provide unlimited certificates of insurance for clients that require them.

HVAC Contractor

Our HVAC Insurance Program includes:

Premises Liability – for your office/warehouse location

Business Contents – Your office equipment

Completed Operations Liability – after you complete a job, if something goes wrong

Inventory – whether at your office, in a truck or at the jobsite

Product Liability - The furnace you installed catches fire and you are sued

Tools and Equipment – Employee or company owned tools and equipment including Leased and Rented

Pollution Liability – For leaking chemicals

Commercial Auto – We cover your fleet

Options – There are many optional coverages including Employment Practices, Cyber, Crime, License and Performance Bonds

“Keep your business cool and out of the heat with our comprehensive HVAC liability and business insurance plans”
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Frequently Asked Questions

How Much Does HVAC Contractor Insurance Cost?
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The price you pay depends on how big you are. Insurance companies measure this by looking at your revenues and payroll. However, the starting price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for a small HVAC contracting business ranges from $42 to $75 per month based on location, size, payroll, sales and experience.

What Type Of Insurance Do HVAC Contractors Need?
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All HVAC contractors carry general liability, which protects you from lawsuits due to negligence in installation or servicing your clients. It also includes commercial property, for your business contents, tools and equipment, and commercial auto and workers' compensation if you are outside of Ohio. There are many other specialty coverages available based on your specific needs. W.E Davis will take a look at your individual business and then give you all of your options.

What happens if I have a claim?
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W.E. Davis is available 24/7 with our emergency claim number. We will make sure the insurance company is notified and follow you claim progress. Your rates will not necessarily go up if you have a claim wit our carriers.

Have questions about coverage? Talk to our insurance experts.

What our clients are saying

"The staff at W.E. Davis Insurance is a truly great team.  The are always so courteous and professional and go above and beyond when I have an issue.  They are good enough to keep an eye on my policies and give me a heads up if they see something amiss.  I also can count on my agent to keep me updated every step of the way when there is an issue that they are assisting me with.  I’m happy to be one of their clients."
Kristine Vith

Kristine Vith

Google Reviews

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"For more than 25 years, I have entrusted my home and auto insurance needs with the professional, knowledgeable, friendly, courteous and conscientious staff of W.E. Davis Insurance Agency."
Street Players

Street Players

Google Reviews

"Mark Willis is a great insurance agent. He is quick to respond to any questions I have and the rates that he quoted me saved me a significant sum of money on my car insurance. He is always willing to go the extra mile and does not hesitate to give me advice on the insurance coverage for my vehicles. I would not hesitate to recommend this agency to my friends and family!"
Gwen Callender

Gwen Callender

Google Reviews

"The staff at W.E. Davis Insurance is a truly great team. The are always so courteous and professional and go above and beyond when I have an issue. They are good enough to keep an eye on my policies and give me a heads up if they see something amiss. I also can count on my agent to keep me updated every step of the way when there is an issue that they are assisting me with. I’m happy to be one of their clients."
Kristine Vith

Kristine Vith

Google Reviews

Why Work With Us

W.E. Davis Insurance Agency is a family-owned business that has been around since the early 1900’s and has been serving business for three generations. We look for innovative ways, like tailoring our insurance packages to fit your business’ individual needs, to get coverage to businesses in the most effective way possible. W.E. Davis can provide your HVAC business with the insurance products you need at the best value.  Use our three generations of expertise to ensure your business is protected.

W.E. Davis Insurance Group Team
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Get in touch

If you would like more information about our HVAC insurance coverage and the additions or options available, please contact us. We would love to help you find the best liability or insurance coverage for your business.

Hours
Monday – Friday: 8:00AM – 4:30PM
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