Mitigating Risks
As a dedicated HVAC technician, you keep homes and businesses comfortable year-round. But working with complex mechanical systems comes with inherent risks. Standard liability insurance may not provide sufficient protection for the specific challenges you face.
Protect yourself, your tools, and your customers with comprehensive insurance designed for the unique needs of the HVAC industry.
General Liability
This foundational coverage protects you from property damage caused by accidental mistakes during repairs or installations, as well as bodily injury claims if someone gets hurt on the job site (e.g., electrical issues, refrigerant leaks).
Workers' Compensation
Ensure financial protection for your employees in case of work-related injuries, a requirement in most states. This could include falls from ladders, exposure to harmful chemicals like refrigerants, or muscle strain from lifting heavy equipment.
Errors & Omissions (E&O)E&O Insurance
Consider adding E&O coverage for situations where a customer claims your work caused damage to their HVAC system or malfunctioning equipment.
Tools & Equipment Coverage
Protect valuable tools and diagnostic equipment against theft, damage, or loss, crucial for an HVAC technician's livelihood.
Tailored to You
At CIA, we understand HVAC technicians specialize in various areas. We offer a variety of insurance solutions to cater to your specific service offerings.
Residential
Protect your business focused on repairs, installations, and maintenance of heating and cooling systems in homes.
Commercial
Secure comprehensive coverage for larger-scale projects involving complex HVAC systems in office buildings, factories, or other commercial properties. This may involve additional considerations for building codes and energy efficiency standards.
Refrigeration
Get tailored policies that address the unique risks associated with refrigeration systems, including servicing walk-in coolers, freezers, and specialized commercial equipment.
Why Partner With Us?
Choosing the right insurance partner is essential for your HVAC business.
Industry-Specific Expertise
Our team has a deep understanding of the legal and financial challenges faced by HVAC technicians. We can answer your questions about specific coverages and risk mitigation strategies relevant to your HVAC services.
Safety First Resources
We offer valuable resources and guidance on workplace safety protocols specific to HVAC work, including proper handling of refrigerants, following electrical safety guidelines, and safe lifting techniques for heavy equipment.
Customized Coverage
We work closely with you to understand your service areas, crew size, and budget to create a personalized insurance plan that safeguards your business.
Dedicated Client Support
Our agents are always available to answer your questions, address concerns, and guide you through the claims process if necessary.
