Florida HVAC Contractors Insurance

Independent agency serving the HVAC Contractors of Tampa and all of Florida since 1979.

We understand the needs of HVAC Contractors in Florida – you can find our office in Tampa, and our clients all around the Sunshine State.

As an independent insurance agency, Fairchild, Addison, & McKone Insurance takes pride in reviewing your options with multiple insurance companies and comparing protection and prices in order to find a policy for your business.

About HVAC Contractors Insurance

There is a high demand for ventilation and A/C units in Florida for both homes and businesses. HVAC Contractors are exposed to risks on a daily basis. The proper HVAC Contractors insurance policy is designed to help protect you and your business from suits arising from property damage, or other situations that could result in injury or damage.

Your general liability policy is not a warranty.  It is intended to protect your business against unintentional damages that result from your work. Understanding what your general liability policy does for you can help you decide what additional coverages you may need to properly protect your business.  Specific coverages may be more relevant to your business than others’.  For example, if you do mostly service / repair and very limited installation of new units, you may prioritize voluntary property damage over an installation floater.  Not sure how those coverages work? That’s what we’re here for.

Coverage Options for HVAC Contractor Insurance

The following coverage options are common for HVAC Contractor working in Florida:

Workers’ Compensation Insurance — Provides coverage for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work.

General Liability Insurance — This coverage is a broad commercial insurance policy that covers general liability exposures of a business.

Commercial Auto Insurance — Covers a combination of business vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment.

Every HVAC contracting business is unique – talk to us today to find out how to get a price and value on HVAC Contractor insurance in Florida.