As an HVAC contractor in the United States, Commercial General Liability (CGL) is one of the most important policies you’ll buy. But premiums can add …
Business Insurance
Return-to-Work Programs for HVAC Contractors: Reduce Costs and Speed Recovery
Workers' compensation is one of the largest controllable expenses for HVAC contractors. Implementing a formal Return-to-Work (RTW) program reduces claim costs, shortens disability durations, protects …
Navigating Workers’ Comp When Hiring 1099s and Seasonal HVAC Employees
Running an HVAC company in the U.S. — especially in busy markets like Houston, TX — means juggling workforce needs (seasonal techs, subcontracted 1099s, temp …
How to Lower Workers’ Comp Premiums: Safety Programs, Light Duty and Experience Mods
Workers' compensation is one of the largest controllable insurance expenses for HVAC contractors. In competitive markets like Houston and Dallas, Texas, optimizing safety, return-to-work processes …
Workers’ Compensation Compliance Checklist for Multi-State HVAC Firms
Keeping workers' compensation compliant across multiple U.S. states is one of the top legal and financial challenges for HVAC contractors. Differences in registration, classification, premium …
Managing Injuries on the Job: Documentation, Medical Care and Claims Handling for HVAC Employers
Workers' Compensation for HVAC Businesses — HVAC contractor insurance requires a proactive approach to workplace injuries. Whether you run a three-person shop in Dallas, a …
Top Workers’ Compensation Claims Among HVAC Techs and How to Prevent Them
Workers' compensation is a critical, costly line item for HVAC contractors across the United States. HVAC technicians face a unique combination of hazards — manual …
Workers’ Compensation for HVAC Contractors: A State-by-State Overview of Requirements
Workers’ compensation is one of the most important—and sometimes confusing—elements of operating an HVAC contracting business. Coverage protects your technicians after on-the-job injury, limits employer …
Understanding HVAC Classification Codes and How They Impact Workers’ Comp Premiums
Workers' compensation is one of the largest controllable insurance costs for HVAC contractors. Classification codes (assigned by state rating bureaus like NCCI or ISO) determine …
Minimizing Auto-Related Exposures on HVAC Jobsites: Policies, Parking and Secure Storage
Commercial Auto & Fleet Insurance for HVAC Contractors — HVAC Contractor Insurance (USA focus: Los Angeles, Houston, Chicago) Keeping HVAC service vans, tools and replacement …