Utica First Insurance Company

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When Summertime Temperatures Soar, So Do HVAC Contractor Risks – A Utica First Artisan Contractor Policy Provides Needed Relief

For many parts of the country, August brings with it soaring temperatures and an associated increase in business for HVAC contractors as people want to stay cool. This uptick in business causes an uptick in business risks as well.

HVAC contractors invest in tools, equipment, and crews in order to run a successful business. What is sometimes overlooked is investing in coverage to protect the business against these risks.

Importance of Managing Risk

Some HVAC contractor business owners may dismiss the need for coverage, wrongly assuming managing business risk is for the big companies. This could not be further from the truth. In actuality, small companies need coverage more than their larger counterparts as large companies are more likely to have the financial resources to weather unexpected mishaps much better than small ones.

A Utica First HVAC contractor policy can provide small business owners the coverage they need to protect their financial investments and provide relief from worry knowing that should something happen, Utica First has them covered.

What Comes Standard

Utica First’s HVAC coverage has standard protections that include general liability (bodily injury, property damage, commercial property, the place where business is conducted), business income (loss of income when business cannot be conducted), and tools and equipment (tools and equipment used to operate the business.

Options to Tailor Coverage

Optional coverages are available and can be bundled into an affordable Toolbox or Toolchest package that make sense to each HVAC business owner’s operation, such as blanket equipment coverage and coverage for the property of others, among others.

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HVAC business owners have to focus on the many moving parts associated with their businesses. Having the proper protection gives them one less thing to think about and the peace of mind that, should the unexpected occur, their businesses and the people who depend on them for their livelihood—staff and crew—are covered.

Utica First is known for its long-standing commitment to customer service excellence. We offer both credit card and eCheck payments, and we are always available to help you handle questions. If you have artisan HVAC contractors in the states of New York, New Jersey, Connecticut, Florida, Pennsylvania, Ohio, Maryland, Virginia, or Massachusetts, visit to learn more about how to build the best coverage for them. #KeepingInsuranceSimple

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