At PBIB, we are dedicated to helping you safeguard your HVAC contractor business from potential losses. As independent insurance brokers, we have access to a wide range of insurance programs and can customize coverage options to best suit your individual needs.
PBIB will typically use numerous insurance companies to quote your insurance to give you the greatest deal and coverage for your needs. Every policy has adjustable payment options, such as yearly or monthly installments.
As an HVAC contractor, securing adequate insurance coverage is crucial to safeguard your business from third-party claims. General Liability insurance is the most critical coverage that can protect your business against claims of property damage or injury resulting from your work product. Even a minor accident can have a significant impact on your company's future. If your business is at fault for property damage or bodily injury to a third party, a resulting lawsuit can potentially devastate your company. At PBIB, we understand that safeguarding your business assets is of the utmost importance. Our general liability insurance will protect your employees and your entire company from the risks of vulnerable situations and expensive lawsuits.
In some states or counties where you operate as an HVAC contractor, general liability insurance may be mandatory to maintain your license. We offer full-service certificates during weekdays and 24/7 self-service certificates so that you can get insurance coverage on your own time.
General Liability for HVAC Contractors can help you pay for:
Our policies are the best in the industry and ensure the safety and protection of both you and your employees in case of injury or illness. With workers' compensation, you can rest assured that medical expenses and lost income for your employees will be covered, helping them to recover and get back on their feet. Additionally, in the event of a lawsuit, our policies will provide you with the necessary protection. So, choose our policy for comprehensive coverage that safeguards both you and your employees.
No employees? No worries! We have policies that provide the coverage your customers require while also protecting you.
Your state or the county where you work may need workers compensation to get you a license as an HVAC contractor. We refer to this as "Insurance on your time" at PBIB. We offer full-service certificates Monday through Friday and 24/7 self-service certificates.
Workers' Compensation for HVAC Contractors can help you pay for:
Running an HVAC contracting business without company vehicles is nearly impossible since they transport you, materials, and tools to job sites. At PBIB, we understand the worth of your mobile workforce and offer insurance coverage that protects against damage or theft, ensuring that you can resume work swiftly.
For HVAC contractors, Commercial Auto insurance is crucial, and in some cases, a project requirement. We offer comprehensive insurance certificates on weekdays to assist you in getting on the job and provide 24/7 self-service certificates, giving you the flexibility to obtain "Insurance on your time."
Commercial Auto for HVAC Contractors can help you pay for:
The purpose of tools and equipment insurance for HVAC Contractors is to safeguard your valuable moving assets. Inland marine insurance, commonly referred to as tools and equipment coverage, guards your valuable assets against dangers like theft and damage while they are being used, stored, or transported to and from your jobsite.
Tools & Equipment for HVAC Contractors can help you pay for damaged or stolen:
As an HVAC contractor, it's important to understand the concept of professional liability and how it applies to your business. Professional liability, also known as errors and omissions (E&O) insurance, is designed to protect you and your business against claims of negligence or inadequate work.
As an HVAC contractor, you work on heating, ventilation, and air conditioning systems for commercial and residential clients. This work can involve complex systems that require specialized knowledge and expertise. If you make a mistake or fail to complete the job to the client's satisfaction, they may sue you for damages.
Professional liability insurance can help cover the costs associated with defending yourself against such claims. This type of insurance can help pay for legal fees, settlements, and judgments if you are found liable for damages.
Professional Liability Insurance can help your business with:
Most states demand a licensing bond to grant or renew a contractor license. The licensing bond provides assurance that you won't transgress any state laws or run away with a client's deposit.
A license bond can be purchased for as little as $70, but the cost increases based on the applicant's personal credit, license history, and contractor classification.
Simply input your state and the sort of bond you need, or choose from a list, to get an immediate estimate and bind online in just a few minutes. We write all forms of bonds, including performance and payment bonds in addition to a long list of others.
At Pascal Burke Insurance Brokerage Inc. (PBIBInc), our knowledge of the products and the marketplace we serve is unparalleled. As former contractors, we know the construction industry from the ground up!