Business and Personal Insurance Experts
Call 877-357-3963
November 18, 2025
Running an HVAC business means facing specialized risks that a standard General Liability (GL) policy simply won't cover. Relying on generic coverage in the demanding TriState area leaves critical, costly gaps in your protection.
Professional Errors (E&O): GL covers physical damage (e.g., a dropped tool), but not financial loss resulting from faulty work, like incorrectly sizing a new system or flawed professional advice. TriState Business Insurance customizes Errors & Omissions (E&O) policies to protect you when a client claims negligence or a financial loss due to your mistake.
Tools and Transit: Your valuable diagnostic tools and inventory are constantly moving. If a van is broken into or equipment is damaged on a job site, a standard policy won't cover the loss. We provide Inland Marine Insurance (or "Tools and Equipment Coverage") to protect all your assets while they are in transit or on location.
Environmental Risks: Handling refrigerants and working with fuel systems expose you to pollution liability and fines. We help you secure Pollution Liability Coverage to manage the costs of mandated cleanup and legal defense resulting from accidental environmental damage.
Working across state lines means complexity. We ensure your Workers' Compensation and General Liability limits meet the differing regulatory and contractual demands of General Contractors across the entire region (e.g., NY, NJ, CT), ensuring your compliance and eligibility for major projects.
Don't settle for "good enough." Protect your HVAC business with coverage built for your actual risks.
Contact TriState Business Insurance today for a specialized, no-obligation risk audit tailored specifically to the HVAC industry!
*are required fields.
