HVAC Contractors Prepare for the Busy Season by Shielding Their Businesses from the Unknown with a Utica First Artisan Policy
Nice weather is upon us and signals the beginning of one of the busiest times of the year for HVAC contractors. It is also a perfect time to assess insurance needs. Insurance isn't just something that's nice to have, it’s a necessity.
Whether just starting out or having run their businesses for years, HVAC contractors should make having insurance—or the right amount of insurance—a top priority. Proper coverage to shield businesses against unknown events should be considered an important tool of the trade, alongside all the tools and equipment these businesses need to operate. A Utica First artisan contractor policy for HVAC contractors can help.
Planning for the Unknown
HVAC contractors invest in tools, equipment, and crews in order to run a successful business. It’s important to the financial health of the business to also invest in insurance to fall back on when unknown events occur. Few business owners believe it can happen to them, but risks inherent in the industry are more likely to occur than not at some point.
Unknown events include unintended damage to a client’s property, damaged or stolen equipment and tools, or weather-related damage to equipment staged for installation at a client’s site. Being prepared will make all the difference, keeping out-of-pocket losses and business interruptions to a minimum.
Standard Coverage
- Utica First’s HVAC coverage has standard protections that include general liability—protects a contracting business in the event that bodily injury, property damage, or personal and advertising injury occurs.
Ways to Customize Coverage
- Commercial Property—protects the place where business is conducted and the things used to conduct business
- Business Income—covers the loss of income when the business cannot run because of a covered property loss
- Tools and Equipment—covers vital tools and equipment that are stolen or damaged
Commercial Umbrella Policy
In today’s litigious climate, business owners need enhanced liability protection, and Utica First is here to make that easy. Our commercial umbrella policy provides flexible options to provide customers with the coverage they need—the comprehensive protection of a commercial umbrella.
Utica First can provide an umbrella policy up to $5 million (in $1 million increments).
Learn More
Utica First is known for its long-standing commitment to treating its agents as partners and helping them meet policyholder needs and expectations, like offering both credit card and eCheck payments, and always being 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 click here to learn more about how to build the best coverage for them. #KeepingInsuranceSimple ###
