HVAC Plumbing Contractor Insurance
(Commercial & Residential)
HVAC and plumbing contractors do a very special kind of work. They often operate directly in a person’s home (or within a commercial building) and perform service on one or two of the property’s most integral facilities: the HVAC unit and plumbing system. You’re excellent at what you do and rarely make a mistake, but why take the risk? A single error (or perceived error, even) could have you facing a lofty lawsuit – one which you may not be able to recover from without the help insurance could provide.
Some HVAC and plumber contractors do a wide variety of odd jobs to help maintain your home. They’re an essential part of keeping one of the most important parts of any facility up and running.
An HVAC and plumbing contractor might do any one or more of the following tasks:
- HVAC Repair
- HVAC Maintenance
- Plumbing fixes
- Plumbing services
- Plumbing installation
A well-maintained HVAC unit offers numerous benefits, and it’s thanks to HVAC and plumbing contractors like you and your business that residential properties and commercial buildings can reap the advantage of benefits like a healthy indoor air quality, energy efficiency, and more. It’s important to have insurance for your business to ensure you can keep on offering quality services to residential and commercial property owners – but that insurance should be customized to the kind of business you run, how you run, and what you do. Enter Hitchings Insurance: we’ve got you covered.
In some areas, contractors may be mandated to carry plumbing liability insurance or HVAC contractor insurance, and it always shows as more reputable for you and your company to have your own personalized commercial HVAC insurance. While this isn’t always the case, why take the risk? Your business means everything to you. You can get affordable coverage with Hitchings Insurance today. Begin with a quote.
What is Commercial HVAC Insurance?
Commercial HVAC insurance or plumber insurance are insurance packages designed to cover you and your business. Assuming you operate in the United States, plumbing contractors insurance/HVAC contractor insurance may not be mandatory for you, but it’s highly recommended and could be what makes or breaks a prospect client’s decision to hire you. You may even not be able to find the same quantity of business as you would with insurance if you decide to forgo coverage entirely. Moreover, acquiring plumbing liability insurance or HVAC liability insurance gives you peace-of-mind. What would you do if a subcontractor incidentally damaged a client’s home? Or if the job you did was subpar and the client sued for damages? What would you do then?
HVAC liability insurance or plumbing liability insurance can be just the minimum liability insurance to a larger, fulling-encompassing insurance package that is designed to protect your specific type of trade. Some insurance packages can include things like equipment insurance for heavy machinery, commercial auto liability, and more. It all depends on your business’ needs.
The following insurance packages may be used to help protect your business:
These are just a few samples. Work with a Hitchings Insurance representative to discuss what insurance policies may be most beneficial to your situation.
How Much Does it Cost to Purchase Commercial Plumber Insurance or Commercial HVAC Insurance?
Most contractor insurance policies will cost, for a small to mid-sized business, anywhere between $300-$500/year, assuming you have a $2 million limit for liability insurance. That being said, that’s only an average estimate, and you’d be better off finding a more accurate assessment by obtaining an HVAC insurance or plumbing contractor insurance quote. Costs can further vary depending on:
- Your specific type of trade
- Business experience
- Insurance history
- How many employees you have
- Your projected annual revenue
- Where you operate
- Equipment, tools, vehicles you use
- …and more
What Kind of Insurance do I Need as an HVAC and Plumbing Contractor if I do Primarily Commercial Projects?
Depending on the scope of work you do, for contractors who focus on larger projects or contractors who are a part of a larger business, your insurance needs may be much more than that of an independent HVAC or plumbing contractor.
These coverages can be beneficial to contractor businesses of any size, but they’re especially relevant for larger projects:
- Pollution or environmental liability insurance
- Contractors errors and omissions insurance
- Hired and non-owned automobile liability insurance
- Umbrella liability insurance
- Leased equipment insurance
- Commercial auto liability insurance
Again, these coverages may be of benefit to contractors of any size, so take this with a grain of salt. It’s in your best interest to work with a Hitchings Insurance representative to discuss coverage options to ensure that what you’re getting is the right fit for your business.
Get a Free Plumbing Insurance or
Commercial HVAC Insurance Quote with Hitchings Insurance
Hitchings Insurance is and has always been community-driven. We make it a point to be good neighbors, and have continued to be as such since we first began. Hitchings Insurance does our best to give back to help our contractors who operate in the HVAC and plumbing industry, regardless of the specific tasks they do, against claims made against your business alleging bodily injury, property damage, reputational injury, and more.
Whenever you need someone in your corner during your time of need, Hitchings Insurance is right here for you. We do more than just get you quality insurance coverage. We do our best to treat everyone with the same clarity and integrity that we believe our clients deserve, and we do our best to make a difference in the lives of those who inhabit our surrounding communities. We believe that a part of achieving that goal is curating customized HVAC and plumbing contractor insurance policies.
The Hitchings Insurance difference is here for you to see. We can get you customized insurance for less. Simply begin by filling out a quote form and obtain a free HVAC plumbing contractor insurance quote when you need it.
