Your HVAC business runs year round, and like most business, it has a business cycle when your schedule heats up and cools down. But one thing is consistent throughout the entire business cycle. That is business risk. Every single service agency is saddled with liability risk imposed simply by the requisite nature of coming into close contact with people and their property. You put employees into your client's homes on a daily basis. In today's litigious environment, that alone is a very significant liability risk. Consider how much you and your employees contact the outside of your client's homes as well. From the foundation, sub-basements, shrubs, driveways, etc, seedy property owners will take the opportunity to lay blame on you given the slightest chance to get away with it. Sadly, this is a fact of business life. A comprehensive HVAC business insurance policy (for business' in VA, MD, DC) is the only way to protect you and your employees from everyday risks.
Now that the new year has arrived, business owners often begin to reassess their multiple vendor relationships. The goal is always to become more efficient in business operations and to maximize net income for the business owners and investors. One clear path to improved net income is migrating away from poorly written business insurance policies. If your business insurance policy generated by an agent employed by the insurance agency covering you, then you can safely conclude you are paying too much for your business insurance. The reason for that is simple: the unavoidable conflict of interest between the insurance company and their agent to maximize THEIR value in the insurance contract, not YOURS. This is where we differ from most. We are independent insurance agents who serve as your agent who comparison shops on your behalf with over a dozen of the top (A-1 rated) insurance companies serving American business. Through direct consult with you regarding your needs and exact risk tolerance, we'll sniff out the best coverage at the most valued price offered at the time. We have no conflict of interest with any insurance company as we work for you and for you alone.
We're also very happy to assist you with your personal insurance needs as well. With that said, we recommend that you start first by reconsidering your business insurance as in many cases the business is the life blood of the family and thus the most important asset to properly protect. It makes perfect business sense to consider a heating and air conditioning business insurance quote from TriState. It's a simple step toward increasing your net income and bottom line. To find out more about HVAC business insurance, contact TriState Business Insurance.