Incidents happen. Whether these incidents result in property damage, bodily injury or both, they can be costly for businesses to deal with. As such, it is important for your HVAC business to be covered for a variety of possible risks.
A commercial general liability (CGL) policy protects your HVAC business for financial loss should you be liable for property damage, bodily injury, or personal and advertising injury caused by your services, business operations or your employees. Simply put, a CGL policy casts a wide net of protection for you and your business by covering various liabilities.
Third-party bodily injury protection. Something as simple as a guest or client visiting your business and slipping on a wet floor can result in serious financial damages. CGL provides coverage for bodily injuries suffered by their parties on your premises or in relation to the business operations.
Third-party property damage. A CGL will also protect your company in the even that you are found liable for damage to some else’s’ property. CGL policies typically cover damage to tangible property as well as damages for the loss of use of the tangible property.
Protection against personal and advertising injury liability. Not all damage is physical. A CGL policy will also give you ample coverage for offenses made by employees of your company such as copyright infringement, slander, libel or malicious prosecution.
Coverage for medical expenses. CGL policies will provide protection for your company if a nonemployee is injured on your premises or in an incident related to your operations. Coverage for medical payments can be triggered without legal action and allows for smaller medical claims to be settle quickly and without litigation.
A sturdy defense. Going to court or having a claim filed against you can have company-changing costs. CGL coverage included protection for legal expenses in the event that your business has a liability claim brought against it.
Running a business comes with plenty of risk, so it’s important to make sure you’re protecting yourself with the appropriate coverage. Contact us today for more information on how a CGL policy can protect your bottom line.
What Our Clients Say
Working with Contractor Insurance Quote is quick, simple, and affordable. Their team is full of experts in the space. I would not work with anyone other than CIQ.
- Tom Harmon So Cal Contractors
If you need contractors’ insurance, use Contractor Insurance Quote. They are able to help me with all of my questions and their customer service is second-to-none.
- Jason FreemanHighland Construction
I value my relationship with Contractor Insurance Quote more than any other business relationship. The group at CIQ puts an emphasis on identifying your needs and getting you into the best policy at the best price.
- Stephen CotterMajestic Flooring
My company needed general liability insurance and we needed it fast. Contractor Insurance Quote was able to provide everything I needed. Thanks so much. Customer for life!
- Dan Morris,Morris Plumbing
Anyone who is interested in working on a long or short-term construction project must have HVAC insurance.
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