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.
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
Frequently Asked Questions
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.
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.
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
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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.
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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.
