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'A' (excellent) rating by A.M. Best. Over 100 years of experience.
Great value - tailored coverage starts from just $22.50/mo.
Fast and simple - online quotes or speak to a licensed agent for immediate coverage.
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BUSINESS INSURANCE FAQS
As an HVAC contractor, you provide specialized services to your customers, so you face unique risks. At Hiscox, we understand these risks and offer customized HVAC insurance for your small business to fit your specific needs.
General liability insurance also known as Commercial General Liability (CGL) protects your heating and/or air conditioning (HVAC) business from another person or business's claims of bodily injury, associated medical costs and damage to property.
Bodily injury: While you are installing a central air conditioning system, one of the clients trips and falls over a piece of your equipment, breaking their arm. You could be liable for medical costs, but your HVAC insurance policy could cover those costs, protecting your business.
Property damage: As you are working in a client’s attic to install a new air conditioner, you accidentally damage an antique table. A HVAC insurance policy could cover the cost to repair or replace the table, protecting your business.
Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy's limits of liability, and pay for an attorney to defend you if necessary.
Learn more about general liability insurance.
Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Specific coverage terms can vary by class of business. Coverages are subject to underwriting and may not be available in all states.
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© 2017 Hiscox Inc. All rights reserved.
Underwritten by Hiscox Insurance Company Inc.
104 South Michigan Avenue,
Suite 600, Chicago, IL 60603.