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HVAC Heating and Cooling Insurance

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Customized Insurance for HVAC heating and cooling businesses.

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When it comes to insurance for your heating and cooling business, you want your coverage to be as measured as your customers’ air temperature. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage is not too hot, not too cold, but just right. From General Liability to Workers’ Compensation, each HVAC insurance policy is prepared with your needs in mind.

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Basic HVAC heating and cooling insurance coverage may include:

Business Owners Policy

A Business Owners Policy combines some of the most common coverages for small businesses. It includes general liability insurance, property, and cyber coverage.

Commercial Liability Insurance

General liability insurance can help cover medical expenses for third-party bodily injury claims. It can also help cover expenses related to third-party property damage and cover legal defense costs if needed.

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GENERAL LIABILITY INSURANCE

Business Property Insurance

Business property coverage can help pay for costs to repair or replace business equipment, furniture, fixtures, and inventory in the event of a covered loss.

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PROPERTY INSURANCE

Cyber Insurance

Want to help protect your business against computer-related crimes and losses? Cyber-risk coverage can help cover expenses for responding to data breaches and network security attacks that impact your business.

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CYBER INSURANCE

Workers’ Compensation

If you are looking to help protect your employees and your business, Workers’ Compensation can provide coverage for costs associated with workplace accidents. It can help cover medical expenses like physical therapy, medication, and treatment for employees that become injured or ill due to work conditions on the job.

HomeHQ

HomeHQSM is coverage for home-based businesses. It can help protect your business from third-party claims, property damage, and lost or stolen product inventory.


Insurance Coverage by State

What Is a Business Owners Policy (BOP), Anyway?

Entrepreneur and owner in small business

When you own a business, you are responsible for many things, including accidents. That is why shopping for insurance is one of the most important tasks you may have.

Why potentially risk the business you have built when you may be easily able to cover yourself for liabilities? Business Owners Policy, or BOP, could help cover your business assets.

Keep reading our comprehensive guide to BOP to help you decide if this is the right package for your business!

What is a Business Owners Policy?

A Business Owners Policy is a package of multiple policies for small businesses (and medium-sized businesses) that may help owners protect themselves. It combines business property and liability insurance so that you do not have to buy each policy separately and it could potentially help you save money.

Businesses can often work with their insurer to tailor the BOP for their needs. The type of industry or your specific situation might affect the policy coverage needs.

A popular type of coverage to add is cyber insurance or data breach insurance. This could be helpful mainly if your business handles customers’ private information.

What’s Included in a BOP?

The coverage and package included in a BOP will depend on your insurer. For PolicySweet®, there are three major areas of coverage, including general liability insurance, property insurance and cyber insurance.

General liability insurance may protect you in the event of bodily injury. This could include any medical costs associated. It may also protect against injury claims that might be filed against you, along with the legal costs that come along with it.

Property insurance may protect your business if you experience loss from fire, theft, vandalism, and more. This insurance could also replace lost income and property that is caused by a loss. For example, if a fire occurs in your store and you lose inventory, your BOP may cover it.

Finally, cyber insurance is important as it could protect your business against data breaches. This insurance may also cover customer notification expenses. Additionally, it could cover the expense of hiring a professional to investigate the cause and extent of data destruction as a result of a virus, network security attack or hack.

Who Should Have a BOP?

Having a BOP could be helpful to most small business owners since it might be one of the easiest and most affordable ways to have coverage.

Especially if your business has a physical location and is located outside your home, a BOP could be helpful. Also, if you have physical assets that may be damaged or stolen you should consider a BOP.

Business Owners Policy Can Save You from Risk

It is important to understand the insurance needs for your business and how you may be able to protect yourself from risk. Having a Business Owners Policy could help you to bundle insurance so that you could be protected from many types of liabilities.

Get a quote for a BOP policy or contact us today to learn more about BOP coverage and how we can help!

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