Deciding whether to staff with W‑2 employees or 1099 subcontractors is one of the most consequential choices an HVAC contractor makes. The choice affects your …
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How Subcontractor Claims Can Affect Your HVAC Premiums and What to Do About It
Target audience: HVAC contractors, subcontractor managers, and independent technicians in Houston, TX (examples include Los Angeles, CA and Chicago, IL comparisons) Subcontractor claims are one …
When to Name Subcontractors as Additional Insureds on HVAC Policies
For HVAC contractors operating in the USA — especially in markets like Houston, TX and Los Angeles, CA — deciding whether to name a subcontractor …
Common Coverage Gaps When Using 1099 Technicians and How to Close Them
Hiring 1099 technicians (independent HVAC techs and subcontractors) can lower payroll costs and provide staffing flexibility for HVAC contractors in cities like Houston, TX; Los …
Minimum Insurance Requirements to Require From HVAC Subcontractors and Independent Technicians
As an HVAC contractor operating in the United States — whether in Houston, TX; Los Angeles, CA; or Miami, FL — hiring subcontractors and 1099 …
Best Practices for Managing Insurance Certificates and Expirations for Subcontractors
Managing Certificates of Insurance (COIs) and policy expirations for subcontractors is one of the highest-impact risk-management tasks for HVAC contractors in the United States. Missed …
Insurance Language for Subcontractor Agreements That Limits Risk for HVAC Contractors
As an HVAC contractor in Houston, Dallas, or elsewhere in Texas (and across the USA), well-drafted insurance language in your subcontractor agreements is one of …
How to Verify Subcontractor Coverage Quickly: COIs, Endorsements and Auditing Tips
As an HVAC contractor in the United States — whether operating in Houston, Dallas, Los Angeles or Miami — quickly verifying subcontractor insurance prevents costly …
Insuring Subcontractors and 1099 Techs: How HVAC Contractors Protect Themselves From Gaps
For HVAC contractors operating in the United States — whether in Los Angeles, CA; Houston, TX; or Chicago, IL — using subcontractors and 1099 technicians …
How Payroll Classification and Job Codes Affect Your HVAC Insurance Premium Audit
Accurate payroll classification and job codes are among the single most important — and most frequently mishandled — factors that determine how much HVAC contractors …