Don’t Work On Heating & Cooling Without HVAC Contractor Insurance Coverage
HVAC Contractor Insurance in Texas
To folks in Texas, the technician who fixes their broken A/C is a hero.
According to the US Energy Administration, Texans consume 26% more electricity than the national average. Air conditioning accounts for 22% of Texans’ total power use as compared to 6% nationally. Of course, heating is necessary during winter cold snaps in the panhandle and North Texas.
HVAC contractors make it all happen: Cool homes in summer, cozy living spaces in winter. To protect assets and shelter your business from liability, get good HVAC Contractor Insurance whether you work on your own or have a crew.
To be a legitimate HVAC contractor in Texas, you must be licensed and insured. Licensing requires that you be over 18, have at least four years of qualifying experience, and pass an exam. Once you pass the exam, you need to show proof of liability insurance to get a license.
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Types of Coverage for Heating and Cooling (HVAC) Businesses
Commercial liability insurance covers onsite accidents, property damage, and bodily injury resulting from negligence. It is required in order to sell HVAC services in Texas.
Professional liability insurance protects the policy holder from lawsuits relating to faulty advice. Perhaps you told a customer they only needed a 5-ton unit on their home, but the house really needed a larger unit, requiring all new ductwork and a big expense.
Commercial auto insurance covers vehicles in the event of an accident on the way to a job site. Commercial property insurance can cover expensive equipment, tools, and supplies. As one HVAC business owner wrote in an online forum, the problem with putting your company name on your vehicle is you might as well add a sign saying, “lots of tools on board.” Commercial property insurance covers loss due to theft, fire, or vandalism.
HVAC workers face the risk of electrocution and exposure to air hazards, as well as more routine accidents. Workers’ compensation helps pay hospital bills and other medical costs of workers and even owners injured on the job. Even if you are the only employee, could you make money if injured on the job? Then, you need HVAC Contractor Insurance.
Testimonial from Owner of KJ Works
Company: KJ Works
Policies with HIA: General Liability, Contractors Policy, Inland Marine, Commmercial Auto and Worker’s Comp.
Industry: Residential and Commercial Construction
Working with Hettler Insurance Agency has made my life less stressful in various ways. I was switching over from a previous insurance company and they made sure to find me the best prices that would benefit me in the long run. If I ever have any questions about anything regarding my policies, HIA is very easy to get in contact with.
Vehicle Insurance
Insurance protection for the vehicles that matter most to you.
– Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
– Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
– ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
– Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
– RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
– Boat and Watercraft Insurance – We cover boats of all sizes.
Property Insurance
Insurance protection for the property that matters most to you.
– Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
– Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
– Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
– Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
– Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
– Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
– Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.
Commercial & Business Insurance
Coverage that helps protect your business
– Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
– General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
– Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
– Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
– Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
– Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
– Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
– Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
– Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
– Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
– Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.
Life/Health Insurance
Insurance protection for your family’s health.
– Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
– Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
– Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
– Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.