technician working with peace of mind because it is covered by HVAC Contractor Insurance.

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Protect Your Reputation

Insurance protects against employees misrepresenting your company

Plan For The Future

Insurance protects against unforeseen risks

Lawsuit Protection

Vital protection in a litigious society

Prevent Financial Ruin

Insurance helps your business survive disaster

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Insurance protects the little guy

Choose Small Business Liability for the Right Insurance at the Right Price.

The 3 Top Troubles Facing Small HVAC Contractors

The HVAC Industry Blows Hot And Cold


Small HVAC companies work harder than established firms to keep them alive in the market. There are 105000 HVAC companies in the United States of America, meaning that US consumers are not short of options. Top HVAC companies grab a larger piece of market share and earn massive profits in comparison to small HVAC companies.  These are the top three challenges faced by small HVAC companies.


1. Are You Ready For Tough Competition?

There are 105,000 HVAC contractors in the US.  This means that consumers are not short of options. Top HVAC companies grab a larger piece of market share and earn massive profits in comparison to small HVAC companies. However, the IBIS research report shows that big HVAC contractors do not control the market, and no single company dominates in the market. Small and unstable companies in the HVAC industry find it challenging to expand their operations, and there are higher chances of their exit. But the selection of small business owner policy, general liability insurance, and property damage insurance HVAC contractor insurance coverage maximizes your chances of growth and survival.


2. How Do You Make The Most Of Seasonal Profits?

Many HVAC contractors say that they face fluctuations in their profits in temperate weather. The hottest and coldest months in the US bring more activity and business.  It is in the slow seasons when some small HVAC businesses reduce their profits to next to nothing just to get a project. Many small HVAC contractors may find it impossible to deal with seasonal fluctuations and give up their operations. In these seasons, the last thing you need to face is additional costs, like those that liability claims would bring. HVAC contractor insurance could be the difference between staying in business or closing your doors.


3. Are You Attracting – And Keeping – Quality Staff?

HVAC technicians prefer to work in a business that takes safety seriously. With a dwindling pool of qualified technicians, you cannot afford to miss out on skilled staff because you don’t appear to take safety seriously. HVAC contractor insurance that includes a business owner’s policy, workers compensation, and general liability coverage will protect yourself, your staff, and your business.


If you didn’t have an appropriate HVAC contractor insurance policy, your small business could be in serious trouble. Accidents happen. Be prepared. Find out how we can help to protect your business now and in the future.

What Insurance Coverage Do You Need?

Equipment Breakdown Coverage

This coverage has 3 separate parts, damage from an accident to covered items, damage to other property of the insured as a result of the accident and loss of income due to the damaged items covered.

Commercial Auto Coverage:

Covers your construction company’s vehicles.

Business Owners Policy

Includes two or more types of coverages packaged together in one policy. BOP is designed for the small to medium sized business with limited exposures like offices and small retail outlets.

General Liability Insurance

Necessary for all commercial businesses as it provides third-party bodily injury and property damage coverage.
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What’s Happening In The HVAC Industry?

An increase in population and an upward trend in urbanization are helping the HVAC industry in exploring new growth opportunities. In 2017, the global HVAC industry was approximately 118.7 USD, and it is projected that the HVAC industry would grow at a 5.7% compound annual growth rate. On the other hand, the HVAC industry in the US is expected to grow at 6.80% during 2018-2023. Small HVAC businesses make up a significant part of any industry, but you face tough challenges when it comes to growth and expansion in the competitive US market.

 Get Protection For Your HVAC Contractor Business Today From Small Business Liability

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