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What is HVAC Insurance?

If you're in the HVAC industry, you know that HVAC technicians face different risks, like equipment breaking down or accidents happening on site. These problems can cause big losses. The work often involves using complicated machines and working in tough conditions, which can lead to incidents. HVAC insurance is a group of policies that can protect your business, your tools, your employees, and your finances in many situations. These policies cover liability issues, property damage, workers' compensation, and even protection against business interruptions, helping your business stay strong and safe when unexpected challenges arise.

What HVAC Insurance Includes

HVAC insurance will cover you in case of accidents while you are on the job. It is designed to cover the specific type of risks that are likely to occur while working with heating, ventilation, and air conditioning systems.

Recommended add-ons for HVAC insurance coverage

Apart from regular HVAC insurance, depending on the size of your business, number of employees, and type of specialization of your business, you should also consider getting these insurance add-ons:

Common types of HVAC insurance claims

HVAC insurance can protect you from a variety of unexpected expenses that could potentially harm your business. Some common types of claims filed by HVAC professionals include:

HVAC insurance in Canada: what you need to know

Each province in Canada has its own regulations and requirements for HVAC insurance. However, there are some general guidelines to keep in mind: