HVAC Contractors Insurance

HVAC Contractors Insurance

HVAC Contractors Insurance. Securing a low-cost general liability insurance quote for your Heating / Air Conditioning / HVAC business in Minnesota just got much easier. Use our services for a fast and accurate quote, one that is designed around your Heating and Air Conditioning business.

We are much different than your average insurance agency.  Why?  We specialize in contractors’ insurance and speak the language, not many agents do. Give us a try, quotes and advice are always free. Plus, we are Minnesota-based!

As a business owner, you have worked hard to build your small business. Each day, you repair or install heating and air conditioning units. You and your employees may visit customers daily, and accidents can occur. Theft of tools and products (copper) is common. Tool coverage and installation coverage can usually be added to a general liability policy. It’s essential to have proper business insurance in place to protect the future of your business.

The best way to save money on HVAC Insurance is to understand it.

HVAC insurance is typically rated based on payroll. A base payroll is applied to the active owner(s), and then any additional employee payroll is added. Liability insurance limits, deductibles, add-ons such as tools and equipment, or additional endorsements will all impact the cost.

Having a proven positive track record (loss runs/loss history letter) for 3 years or more is preferred, but not necessary.

Selecting the right agent and insurance company. Having an insurance company that likes your type of business means lower rates. As independent insurance agents located in Minnesota, it’s our duty to find and secure the best deal for you by shopping multiple carriers. You can trust us to deliver. Please give us a chance.

General Liability Insurance for Heating & Air Conditioning Contractors

HVAC Contractors insurance is a general liability insurance policy, typically the core policy that most businesses purchase. Covering bodily injury and property damage, this policy is essential for your heating and air conditioning company.

Perhaps you have some specific requirements from a Minnesota general contractor or client about an upcoming job. Please email it to us as soon as possible. Often, these contract requirements require you to have additional coverage.  It’s essential to know these things upfront. Sometimes they can be negotiated off, other times it means more money. This also saves time and helps you secure a certificate of insurance fast. HVAC Contractors Insurance – You can trust us to deliver!

My General Contractor is Looking for Proof of Insurance

Often, a general contractor will request a certificate of insurance to ensure you can work and get paid.  Fifty percent of the time, they are just looking for basic general liability insurance. However, sometimes, they are also looking for additional insured status or other things to be added. Two good examples are commercial auto insurance and workers’ compensation insurance. Additionally, endorsements such as completed operations, per project, and waiver of subrogation (WOS) could also be requested.

Business Owners Policy (BOP) Heating & Air Conditioning Contractors

Take a general liability insurance policy and add what many heating and air-conditioning businesses need, such as building coverage and business personal property. If you qualify, a BOP is preferred, even if the property isn’t written as such, as it includes business interruption insurance.

A property damage loss triggers business interruption insurance, not a liability claim.

Contact Us for a Quote – HVAC Contractors Insurance

Please let us know about your HVAC contractors insurance needs. We are listening. Do yourself a favor and call 952-222-8073 or use the quick quote form on this page. Request your MN HVAC contractors insurance quote now!  You will be glad you did, promise.