Call Now: 877-379-0083

Chicago HVAC Contractor’s Insurance Quote

Call 877-379-0083for a free quote or consultation.
Same Day Coverage
Guaranteed Lowest Rates
Hablamos Español

As a heating, ventilation and air conditioner (HVAC) specialist we understand you are busy year-round. SMI’s contractor insurance and HVAC bonds are constructed to meet your needs and are a strong foundation for your business whether your company is large or just starting out.

Your Liability as an HVAC Contractor


As an HVAC professional you are familiar with the potential issues that come with the territory. Protect yourself and your business with HVAC’s Contractor insurance from SMI. Contractor Insurance will cover you in case of:

  • damage to customer’s property
  • misunderstood instructions from the customer
  • lost or stolen materials & tools
  • slips, trips & falls
  • project delays
  • injuries to customers or employees

While many business owners mistakenly believe that the incorporation process (Inc, LLC) completely separates their business equity from their personal, any prosecuting attorney can easily attack your personal assets. SMI’s HVAC liability insurance makes sure that you are covered no matter what type of legal entity you have chosen for your business.

There are other risks in the business also. For example, expensive tools can get lost, damaged or stolen. If you can’t replace them immediately there could be costly delays to the job. But with SMI’s Tools and Equipment Coverage, we’ve got you covered.

And as a business owner, don’t forget that if you have anybody working for you you’ll need workers compensation insurance as part of your business insurance for HVAC package.

SMI’S HVAC CONTRACTOR INSURANCE COVERS YOU LOCALLY AND NATIONALLY

Why You Need General Liability Insurance for HVAC Contractors

Unfortunately for business owners these days, the chances of getting sued have dramatically increased. SMI’s General Liability insurance can prevent a legal suit from turning into a financial disaster by providing insurance protection. Your policy may include:

  • bodily injury coverage
  • property damage coverage
  • products liability coverage
  • contractual liability coverage
  • legal defense costs
  • and more…

Workers Compensation Insurance for HVAC

Workers Compensation Insurance is designed to help HVAC contractor companies pay benefits to employees who are injured on the job. In most states, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities. Call SMI Insurance to speak with an experienced professional about your specific coverage needs.

Inland Marine Insurance

Any HVAC contractor who regularly moves expensive materials, equipment, or supplies from one job site to another job site should have some type of inland marine insurance. This way, in the event of an accident, the goods or materials being shipped are protected separately from your auto policy.

Umbrella Policy

An umbrella insurance policy plugs holes in your existing coverage. It provides additional protection that kicks in when the primary HVAC liability insurance coverage has been exhausted.

HVAC Bonds

Bonds, including HVAC performance bonds, are commonly used in the industry as an assurance between the contractor and the client, as well as between a general contractor and his or her subcontractors. SMI Insurance offers:

  • Payment and Performance Bonds
  • Bid Bonds
  • Contract Bonds
  • Subcontractor bonds
  • License bonds
  • and more…

 

Call 877-379-0083 for a free quote or consultation.

Carpenter Insurance | Plumbers Insurance | HVAC Contractors Insurance | Electrician Insurance | Chicago Contractor Insurance | Web Developer Insurance | Vacant Building Insurance | Flood Insurance