HVAC Contractor Insurance in North Carolina
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HVAC Contractor Insurance in North Carolina
What is HVAC contractor insurance?
Working in heating, ventilation, and air conditioning can be a good career, but it’s work that comes with risks. HVAC contractor insurance may help North Carolina businesses in this field protect themselves from car accidents, equipment theft, building fire, and other risks.
HVAC contractor insurance offers tailored protections for heating and air conditioning businesses. Policies usually have a variety of liability and property coverages, for robust protection.
Who in North Carolina needs to have HVAC business insurance?
The vast majority of heating and air conditioning businesses in North Carolina should have HVAC business insurance. Not getting insurance can be costly if something ever happens.
Moreover, these policies are broadly available to most businesses in the HVAC industry. Being able to customize coverage allows policies to insure:
- Commercial HVAC businesses
- Residential HVAC businesses
- Air duct cleaning businesses
- Mini-split retailers and installers
- Heating and air conditioning retailers
- HVAC techs who are self-employed
What insurance coverages can HVAC business insurance policies come with?
HVAC business insurance policies might come with several different coverages. Depending on the particular policy, these can include:
- Commercial Building Coverage: Usually insures an office building, storage facility, or other building that an HVAC business owns.
- Commercial Contents Coverage: Usually insures HVAC equipment, appliances in inventory, and other items when they’re at the business’s premises.
- Contractors Tools and Equipment Coverage: Usually insures HVAC equipment and tools when they’re away from the business’s location.
- Inland Marine Coverage: Usually insures HVAC tools, appliances, and supplies as they’re taken between locations.
- Commercial Auto Coverage: Usually insures work vans or trucks that an HVAC business owns and uses.
- General Liability Coverage: Usually insures against various common accidents that could result in a third party being injured or having their property damaged.
- Commercial Umbrella Coverage: Usually provides an additional layer of protection, in case of an especially expensive lawsuit.
Do HVAC technicians need commercial auto insurance when using their personal car?
HVAC businesses normally need commercial auto coverage for any commercially registered vehicles that the business owns. HVAC technicians who are self-employed and use a personal car also need to make sure they’re insured. They might have a few options for getting coverage, though:
- Personal Auto Policy: Some personal auto insurance policies may already include coverage when driving for self-employed work, in which case there’s likely no need to get additional protection.
- Personal Auto Endorsement: If a personal auto policy doesn’t already cover work-related driving, additional protection might be available through an endorsement. This is an add-on that provides a specific protection.
- Commercial Auto Policy: If sufficient coverage isn’t available through a personal auto policy, either as a standard feature or via an endorsement, then a commercial auto policy could be needed.
An insurance agent who’s familiar with the coverage needs of HVAC contractors will be able to sort through these options, so self-employed techs can make sure they’re covered while driving.
Do HVAC technicians need their own insurance policy when doing side work?
Many HVAC technicians are covered by their employer’s insurance policy, provided their employer is insured. Such coverage typically only applies when doing work for the employer, however. An employer’s policy normally wouldn’t cover additional work that techs do on the side.
For this reason, it’s broadly recommended that HVAC techs consider getting their own insurance policy if they do side jobs. An insurance agent who specializes in HVAC business insurance can help techs see what affordable policies would meet their needs.
Do HVAC contractor policies cover working with plumbing and gas?
Coverage for plumbing and gas work isn’t something that every HVAC contractor policy provides, but some might offer it as an additional feature.
HVAC contractors who also offer licensed plumbing and gas work should consult an insurance agent who knows HVAC and plumbing insurance well. A highly knowledgeable agent will have the expertise to make sure all of the services that a contractor offers are covered by their chosen insurance policy.
Where can HVAC contractors in North Carolina find HVAC contractor insurance?
If you need help insuring an HVAC contractor business that’s in North Carolina, contact the independent insurance agents at Laurie Insurance Group. Our agents will work closely with you, to find an HVAC contractor insurance policy that’ll keep your business protected well.
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