IndustriesHVAC
HVAC insurance
HVAC contractors install and service heating, cooling and ventilation systems, often on rooftops and in tight spaces.
Risks on the jobHVAC
- Carbon monoxide from improper installation
- Falls from rooftop work
- Fire from equipment and hot work
- Refrigerant handling, which requires EPA Section 608 certification
Coverage commonly carriedCoverage
- General liability. Claims of bodily injury and property damage to others arising from your work.
- Workers' compensation. Medical costs and lost wages for employees injured on the job.
- Commercial auto. Trucks, vans and trailers owned or used by your business.
- Tools and equipment. Tools and equipment on the job site, in transit and in storage.
- Commercial umbrella. Higher liability limits above your general liability, auto and employer's liability.
QuestionsFAQ
Is carbon monoxide exposure covered?
Bodily injury caused by your completed work is generally covered, subject to the policy's terms. Some policies limit pollution-related claims.
Are units I am transporting covered?
Equipment in transit is covered by a tools and equipment or installation floater, not by commercial auto.
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