2213 S Ferdon Blvd
Barbee Jackson Insurance is one of the leading independent insurance carriers offering great insurance rates for Heating and Air Contractors. We have over 50 insurance carriers that will compete to win your business by offering package insurance policies that include Commercial General Liability, Workers Compensation and Commercial Auto Insurance all with one insurance carrier.
This means you get an insurance bundle discount!
Our HVAC Insurance Program – Insurance Coverage Options
Commercial General Liability Insurance
The most common form of General Liability is an Occurrence Basis Insurance policy. This type of policy will protect the insured from claims that arise during the policy period. The coverage is broken down into six areas.
Do your trucks or vans have a wrap or specialized letter on them? Most of the HVAC contractors we work with would say “Yes” and without the proper coverage these would not be covered in the event of an accident. Like general liability insurance, Commercial Auto has several components and coverage options.
Tools and Equipment and be expensive to replace and are not included on the General Liability policy. You can schedule items to be covered in the event of a loss on an Inland Marine Equipment Floater. Policies are rated by the amount you want to insure such items.
If you have workers then you need Workers Comp to cover them in case of an accident. The State of Florida sets the rate insurance companies can charge based on employee payroll. There are experience modifications that can be applied to the policy to lower the premiums.
Mid to larger sized HVAC contractors will typically want to have a Commercial Umbrella policy. This coverage extends over the Commercial General Liability and Commercial Auto. Limits start at $1 million and can go as high as $10 million.
As you can tell, there are a lot of different coverage options you must consider when purchasing a policy. Barbee Jackson Insurance can help you find the right coverage at the best price. Call today to get started (850) 389-2001