HVAC technicians are responsible for installing, maintaining and repairing heating, ventilation and air conditioning systems. The work they do is essential throughout the year during any month. But in order to practice, you need to have commercial general liability insurance that covers at least $2,000,000 in damages, but we recommend you consider higher limits. However, commercial general liability is not the only type of insurance you need as an HVAC technician.
What Insurance(s) Do HVAC Technicians Need?
Commercial General Liability Insurance for HVAC Workers
CGL is typical coverage that protects you from damage costs encountered while working on location. As an HVAC technician, you work in both residential and commercial establishments; having general liability insurance is essential for both. If you cause damage to property or a third party, you are liable to pay for replacement, repairs or damages. With general liability insurance, you may receive up to the policy’s limit towards repaying these damages.
Commercial Auto Insurance for HVAC Workers
Unless you take the bus to each work location, you need commercial auto insurance. Despite being insured personally on a vehicle, as soon as you start to use it for commercial purposes, you are not covered under your personal insurance policy. Commercial auto insurance covers damages to passengers, drivers and the car itself in the event of a crash or the car being stolen.
Commercial Auto Insurance
Unless you take the bus to each work location, you need commercial auto insurance. Despite being insured personally on a vehicle, as soon as you start to use it for commercial purposes, you are not covered under your personal insurance policy. Commercial auto insurance covers damages to passengers, drivers and the car itself in the event of a crash or the car being stolen.
Property And Contents Insurance for HVAC Workers
HVAC technicians have many tools used daily in their practice. Without these, they wouldn’t be able to work effectively and could lose out on thousands in earnings. Property and contents insurance protects your belongings from the cost of damage or if they are stolen. Say you keep your toolbox in your commercial vehicle with only commercial auto insurance but not property and contents insurance, and your car gets stolen. You will be paying for the tools out of pocket as a result. With both commercial and property insurance, all the costs will likely be covered.
For more information or to find the perfect coverage for your HVAC practice, call our insurance experts at isure. We will ensure you receive the best rate for the best HVAC worker insurance coverage!
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