HVAC Insurance Cost in Wisconsin

How do insurance companies define HVAC Contractors?

Many things are involved in an HVAC project, HVAC Contractors deal with many exposures at every single jobsite.  The job may involve commercial or residential systems. The HVAC contractor typically must deal with the HVAC unit (heating and air conditioning), electrical systems, gas and duct installation. Things can go wrong at the jobsite and your Wisconsin business needs a dependable, reputable and highly-rated insurance carrier to provide the financial protection. WI Contractors Insurance.com will prepare a finely tuned insurance package to cover your business for liability exposures, inadvertent property damage, and other risk exposures your business faces each day. The need for HVAC Insurance is driven by the risk of financial setbacks/harm that can result from accidents at the workplace.

What is HVAC insurance?

HVAC insurance is general liability insurance.  It is a very important part of your insurance program and normally the first policy you will buy.   It is the primary or core insurance policy for your Wisconsin HVAC business.  General liability insurance covers bodily injury and property damage claims.  There are several different limits of liability coverage, like $300,000/$600,000, $500,000/$1,000,000 and $1,000,000/$2,000,000, which is most common and highly recommended.  There can also be a property damage deductible.  This means you would pay the first say, $1,000, $2,500 or $5,000 if you were to be damaged something “other than” what you are were working on.  This should be taken into considered before purchasing your HVAC liability insurance policy.  Voluntary property damage should also be considered for limited coverage of “your work”. General liability insurance covers your premises, products, operations and completed operation (once your work is done).  It is protection in the event of a third-party claims. Feel free to click here if a more detailed definition on general liability insurance:

How much does HVAC insurance cost in Wisconsin?

Being an independent insurance agency and independent insurance advisors, we believe shopping multiple Wisconsin insurance companies (for maximum savings).  Also, working with an experienced contractor’s insurance agent is key to finding low cost rates for HVAC insurance.  Wisconsin HVAC Contractors might expect to pay less than $800 – $1,200 per year for a start up with one active owner.  If you have been in business awhile, then having a good claims history (loss runs/loss history) can have a positive or negative effect on your HVAC insurance premiums. 

Let us compare your Wisconsin HVAC Contractor Insurance with multiple companies and help you choose wisely. 

Our goal is protecting your WI HVAC business, then we save you time and some money.  We do this by shopping multiple Wisconsin contractor insurance companies to find you the very best protection and very affordable rates.  By bring multiple options to the table, giving you a choice in insurance plans.  Helping you customize a HVAC business insurance program that is not only cost effective, but right for your growing Wisconsin business. 

Contact Us for a Quote

We are ready to discuss your HVAC insurance and know we can help.  You know the WI HVAC business and we know Wisconsin contractor’s insurance.  If you are looking for HVAC insurance in Wisconsin, you came to the right place.  We cover HVAC Contractors statewide!  Read our BIO, then just pick up your phone or complete our quick quote form to the right.  We promise to make it easy, fast and very affordable.