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

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Consult with our business insurance specialists and learn about your options

If you work in HVAC, you already know that a standard, off-the-shelf business insurance policy often falls short of what heating, ventilation, and air conditioning contractors actually need. Mark Reid Insurance has worked with HVAC businesses across Tennessee for more than two decades, helping them evaluate risks and explore insurance options that better fit how they operate.

HVAC contractors are frequently called into high-pressure situations, often during extreme heat or cold when systems fail at the worst possible time. At the same time, you are responsible for proper installation and maintenance, protecting homes and businesses from issues involving fumes, gas, moisture, or mold, even when working conditions are far from ideal.

Because of these exposures, business insurance programs for HVAC contractors typically need to be customized. A common starting point includes property insurance for buildings and business property, liability insurance to address claims alleging negligence, and commercial auto insurance. For smaller HVAC businesses, a Business Owners Policy (BOP) can provide a solid foundation. However, many contractors find gaps in standard policies, particularly when it comes to tools and equipment that move between a shop and multiple job sites.

Depending on your operations, additional insurance options HVAC contractors often consider include:

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

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