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“So over the moon happy with these guys. I was a first-timer today, extremely nervous about taking another step toward “adulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Whereas other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million, Dave.”
— J. Indoe
“The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally, there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call.”
— C. Pavao
Why HVAC Contractors Insurance Is Essential
As an HVAC contractor, you provide essential services to your clients, ensuring their homes and businesses stay comfortable and operable. However, while you work hard to deliver exceptional service, unforeseen events can still occur. HVAC contractors insurance is essential to protect your business from potential financial losses due to accidents, property damage, or liability claims. By having the right coverage, you can focus on what you do best, providing top-quality HVAC solutions.
Types of HVAC Contractors Insurance Policies
HVAC contractors insurance policies typically include several types of coverage to address the unique risks associated with the industry:
- General Liability Insurance: Protects against claims related to third-party injuries or property damage.
- Professional Liability Insurance: Covers legal defense costs and potential damages arising from claims of negligence, errors, or omissions in your work.
- Tools and Equipment Coverage: Insures your valuable tools and equipment against theft, vandalism, or damage.
- Commercial Auto Insurance: Covers work-related vehicles for liability and physical damage.
- Workers’ Compensation: Provides financial protection for medical expenses and lost wages in the case of work-related injuries to employees or subcontractors.
Custom Coverage Designed for You and Your Business
At Jeffery & Spence, we know that every HVAC contractor has unique needs and challenges. That’s why we take the time to get to know your business and tailor an insurance solution to fit your specific requirements. With our customized coverage, you can have peace of mind knowing your business is protected, allowing you to focus on delivering exceptional HVAC services.
Additional Contractor Insurance Coverage
- Carpenters Insurance
- Electricians Insurance
- General Contractors Insurance
- Home Builders Insurance
- Painters Insurance
- Plumbers Insurance
Get a customized HVAC contractors insurance quote below.
HVAC Contractors Insurance in Ontario FAQs
Yes. HVAC contractors in Ontario should have insurance to protect their business from potential financial losses resulting from accidents, property damage, or liability claims.
Yes. If you have employees, workers’ compensation is mandatory for HVAC contractors in Ontario. This coverage provides protection for employees who suffer work-related injuries or illnesses.
General liability insurance covers third-party bodily injury and property damage claims, while professional liability insurance protects HVAC contractors against claims related to errors or negligence in the services they provide.