There are many things that affect the cost and coverage of your business insurance coverages. Some are obvious (plant, property, equipment coverage), but some not so obvious (workers compensation, natural disaster, etc). Because of risks both known and unknown, you are highly advised to discuss your HVAC business insurance with an independent insurance agent. You should trust an insurance agent that works for your personal and business interests and NOT the interest of any single insurance company. The professionals at TriState will consult you and give you a wide range of options, all rooted in the best coverage options of multiple competing insurance companies.
The HVAC business insurance policies that we write throughout VA, MD, DC contain fundamental insurance policies that ensure that your HVAC business is well-protected. For instance, you will have a General Liability Insurance which will defend you against an array of common lawsuits that can challenge your business financially. For cases just like when one of your employees gets ill or injured by the work he does for your business, you can use the Workers’ Compensation to pay for the medical expenses and the financial support to the family while your employee is on recovery.
If you want to prepare for the probable worst case scenarios that can bankrupt your small business, it is best that you purchase a heating and air conditioning business insurance policy from TriState. This investment will pay off through time as you operate and make money out of your HVAC business.
To find out more about the advantages of having a heating and air conditioning business insurance policy in place, contact TriState Business Insurance.