Custom property, liability, and equipment insurance for Tennessee HVAC professionals

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Consult with our business insurance specialists and get learn about your options

Those of us who know the business don't need to be told that HVAC is short for "heating, ventilation and air conditioning contractors". We also don't need to be told that a run of the mill business insurance policy is inadequate for the needs of your HVAC repair and installation business. Mark Reid Insurance has been helping TN HVAC businesses with insurance and risk management needs for over 24 years.

We know you often work under pressure and duress, when you get the repair call it's because a customer's heating or air conditioning system has stopped working on the hottest or coldest day of the year. But you are held liable for proper HVAC system maintenance and installation, keeping homes and offices free of fumes, gas, mold and moisture, whether or not working conditions are ideal.

Standard business insurance programs usually need to be customized to properly insure the activities of skilled HVAC technicians. A starting point is property insurance for buildings and many classes of business property, liability insurance to protect from lawsuits alleging negligence, and commercial auto insurance. For smaller contracting businesses, a Business Owners Policy (BOP) is often a good foundation from which to build a solid insurance program. But often a gap in a program like this for many HVAC contractors exists due to the lack of coverage standard insurance provides for tools and equipment that you move between your shop and different job sites. Some other insurance coverage that all HVAC contractors should consider:

• Equipment Floaters (Inland Marine)
• Workers Compensation Insurance
• Commercial Umbrella Insurance
• Business Vehicle Insurance

Contact us today to discuss your business insurance needs and learn about your options.

Other Business Resources

• What Should I Know About Risk Management?
• Insurance for Construction Contractors
• Contractors Bond
• Environmental Liability and Your Business