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Are you a plumbing contractor, HVAC contractor, or both? We can fix the leaks in your coverage.

HVAC Insurance

HVAC Insurance

Surety Bonds

Surety Bonds will be important for your business as you enter into new contracts. Your business will likely enter into a contract that requires you to guarantee satisfactory completion of a project. These types of bonds are commonly used in the construction and repair of homes and commercial properties, and typically cover the payment of labor and materials that you committed to fulfill as part of your contract. If your business becomes insolvent and can no longer pay for your employees to complete the job, or pay for the materials to finish the job, your surety bond will compensate for the monetary loss. Whether you are very familiar with surety/performance bonds, or just learning about them for the first time, our team of Contractor Insurance Specialists can help you find the bond necessary to execute your new contract.

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General Liability Insurance

General Liability Insurance is a key coverage for HVAC contractors, protecting against common risks that can arise during installation, repair, and maintenance work. It covers bodily injury, such as a client or third party being injured on a job site, as well as property damage caused while working on heating, ventilation, or air conditioning systems. This can include accidental damage to walls, ductwork, or electrical components during service. It also helps cover legal expenses, settlements, and judgments if a claim is made against your business.

In addition, general liability insurance may include coverage for personal and advertising injury, protecting against claims such as libel or slander related to your business operations. With HVAC work often performed in occupied homes and commercial buildings, this coverage helps ensure your business is protected from unexpected incidents during daily operations.

Tools & Equipment Insurance

Tools and Equipment Insurance is essential for HVAC contractors who rely on specialized and often expensive equipment to perform their work. From gauges and diagnostic tools to compressors and portable units, damage, theft, or loss of equipment can disrupt operations and lead to costly delays. This coverage helps repair or replace essential tools, whether they are stored on-site, in transit, or at a job location.

This policy ensures that your business can continue operating even after unexpected setbacks involving your equipment. In an industry where efficiency and responsiveness are critical, having coverage for your tools and equipment helps minimize downtime and keeps your projects on track.

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What are my potential risks?

You might specialize as a furnace or boiler mechanic, installer and repairer of air conditioning and ventilation systems; you might be a local handyman, or just thinking about starting your own business. You trained diligently to learn your trade and every day you are faced with fierce competition by other contractors who try to underbid your proposals by cutting corners. Your customers know you as an honest, thorough and dependable resource when services such as the ones you provide are needed. You look forward to the day when your business name is renowned in your local community, and you can wake up to new referrals and well paid jobs each day. But what if you get sued by a General Contractor for allegedly defaulting on your contract, or while wrapping up on your most recent job, an employee is seriously injured by an electrical burn and your business doesn’t have enough coverage to pay for the medical expenses. Serious accidents happen, and when they do, you want to know your insurance advisor prepared you for such disaster situations. As you take on new contracts and your business gets more complicated, ask yourself, “What sort of calamities could flush my business down the drain?”
You wake up to your phone ringing; a general contractor is screaming through the phone claiming all of the contractors on his job site are getting sued by the project owner for hundreds of thousands of dollars. You jump out of bed, grab your keys and speed off in your truck to see what has happened. As you pull up to a major intersection, the car in front of you stops short and you slam into the back end of a minivan. You quickly exchange your information with the driver, who says she’s driving to the hospital next to get her sore back checked for injury. As you pull up to your jobsite, you notice the house has ruptured in one corner and a burst pipe is gushing water all the way down to the $20,000 AC unit installed just the day before. The property owner is furious and the general contractor explains that his best estimate of the damage is nearly $300,000 and resulted from faulty installation by one of your employees. Worse yet, the homeowner claims the damage caused at least another $200,000 in damage to her antique furniture, artwork, and custom cabinetry. After a quick phone call, you discover from your agent that your policy has cancelled because your office manager forgot to pay the last bill. You may have to cover this catastrophe out of pocket, and your business will have to shut down indefinitely while you sort out this mess. Could you have prevented this disaster by having a trusted advisor prepare you for this huge financial blow? Plumbing and HVAC Contractors experience these disasters every day resulting in business failure and bankruptcy. As a contractor, you want your fellow contractors and customers to have faith in you and your business, while you work hard to secure new contracts. Boynton Insurance Group has been in business since 1919, and our Professional Plumbing and HVAC Services Program will provide you with a review of your coverage needs and allow you to discover affordable insurance options especially for your business.

作为企业主，你的目标是让员工满意，从而保证企业顺利运营。

博因顿保险集团深知保险的必要性。我们的代表将竭诚为您打造符合您企业需求的保险方案。立即致电预约咨询。

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一流保险服务
尽享无与伦比的超值价格！

Boynton Insurance Group 已与业内顶尖的保险服务商建立了战略合作关系，旨在以最优的价格为您提供最完善的保险保障。诚邀您即刻亲身体验！

Boynton Insurance Group 将协助您的企业识别关键的保险风险，并提供相应的解决方案，助您有效管理与转移这些风险。我们能以专业的水准，协助您妥善应对与客户签署的各类合同中所涉及的保险合规要求。本代理机构可为您的企业提供多元化的保险产品，涵盖员工工伤赔偿、财产与一般责任险、电子设备险、犯罪险（含第三方责任）等众多类别。通过对您现有的保险保障、日常运营状况以及未来业务发展规划进行细致且个性化的审视，我们将助您精准评估企业所面临的特定风险。我们的技术保险专家团队已整装待发，随时准备通过一对一的专业咨询服务，为您量身定制专属的保险方案，为您的企业发展保驾护航。

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