Business insurance for HVAC contractors

Just in case things get a little heated, we’ve got you covered.

Why you need HVAC contractor insurance

作为暖通空调承包商, you’re often working are in a client’s home, 移动, 维护, or installing heavy systems and dealing with electricity. HVAC contractors insurance will help protect your business against the many risks and liabilities you face as an owner, 包括工地伤害, 盗窃工具和材料, 财产损失及其他.

HVAC contractors coverages we recommend:

The advantage of our HVAC contractors insurance policy is that it offers you a broad range of protection at surprisingly comfortable rates.
  • 商业个人财产 covers the loss or damage to office or business equipment including computers, 办公家具等.
  • 建筑房地产 protects your storage buildings and other structures you own.
  • 商业责任 helps protect you against costly claims and lawsuits due to personal injuries, 财产损失, 和更多的.
  • 完成操作 covers bodily injury or 财产损失 claims that occur after a project is completed.
  • 移动设备 provides broad coverage for your tools and equipment, 不管你是否在家, 在工地上, 或者午休.
  • 安装浮动利率债券 protects valuable equipment or materials – like ac systems, furnaces 和更多的 – while in transit, 等待安装, 或者被安装在工作现场.
  • 他人财产 covers the loss or damage to property of others that is in your care.

Consider adding additional coverages

What’s covered in your business owner’s policy may not be enough, particularly if you work on light commercial projects, 高端住宅, 或安装更大的暖通空调系统.

A 当地州立农场代理 can advise you on additional coverages you may need to protect your business.

商业汽车

商业汽车 covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

商业责任保护伞政策

商业责任保护伞政策 (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy 限制.

工人的补偿

工人的补偿 helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

担保债券

担保债券 guarantees your work for licensing requirements and can also give potential customers added peace of mind.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 像你这样的. 原因如下:
agent-know-how

代理技术

我们的代理商也是企业主. They understand the unique needs of small business owners.

customizable-insurance

可定制的pp王者电子官网

We offer an array of coverage options that can be combined into one policy.

优质服务

特殊的服务

Since 1935, we’ve been 在这里 to help small business.

跟当地州立农场的代理人谈谈

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. 承保范围详情, 限制, or services may not be available for all business and vary in some states. All coverages are subject to the terms, 规定, 除外责任, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

State Farm (including State Farm Mutual Automobile pp王者电子官网 Company and its subsidiaries and affiliates) is not responsible for, 不赞同或赞同, 隐式或显式, the content of any 第三方网站s hyperlinked from this page. State Farm has no discretion to alter, 更新, or control the content on the hyperlinked, 第三方网站. Access to 第三方网站s is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such 第三方网站s.

Life pp王者电子官网 and annuities are issued by State Farm Life pp王者电子官网 Company. (未在MA获得许可, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, 布卢明顿, 伊利诺斯州.

  • State Farm Mutual Automobile pp王者电子官网 Company
  • 国家农场赔偿公司
  • 布卢明顿,
  • State Farm County Mutual pp王者电子官网 Company of Texas
  • 理查森,TX
  • State Farm Fire and Casualty Company
  • 州立农场pp王者电子官网公司
  • 布卢明顿,
  • State Farm Fire and Casualty Company
  • 佛罗里达州温特黑文
  • 劳埃德州立农场
  • 理查森,TX
  • State Farm Life pp王者电子官网 Company (Not licensed in MA, NY or WI)
  • State Farm Life and Accident Assurance Company (Licensed in NY and WI)
  • 布卢明顿,