HVAC Contractor Insurance Products offerd through DRickard Insurance

DRickard Insurance

607-843-8860

insurance@drickardinsurance.com

New York State

DRickard Insurance
"Your Favorite Insurance People"

DRickard Insurance

Your Favorite Insurance People

607-843-8860 insurance@drickardinsurance.com

HVAC Insurance

HVAC

List of Contractors Coverage Options FAQs

Contact us at 607-843-8860 and insurance@drickardinsurance.com

Heating Ventilation and Air Conditioning contractors can find a variety of competitive insurance products through our insurance agency. What level and variety of contractors insurance coverage is right for you?

NOTE: Our insurers will not write a policy for contractors that will do industrial, medical facility, perishable refrigeration or municipal work.

As with any business the bottom line is a concern. We have seen premiums under $500 a year. Keep in mind there is likely not enough coverage for most businesses at this minimal coverage. Many HVAC contractors will find coverage around $1,000 per year for general liability coverage. For specific information on policies that fit your needs, including Commercial General Liability, Business Property, Commercial Auto, Workers Compensation, and NYS DBL and PFL please contact us at 607-843-8860 or email insurance@drickardinsurance.com.

Hint: The longer you have been in business and insured the better opportunity you have for the best insurance pricing. So keep your insurance even during your off-season.

The One Man Show

You work by yourself, or with an occasional helper, handling the type of HVAC service needs found in a residential, office, or light commercial. The Commercial General Liability policies we have found generally range from less than $500 to $1,000 per year if you only work by yourself. To add an occasional helper or part time worker will add usually less than $300 to $400 annually. This type of policy does not include your tools, and other property coverage that you may need. We strongly encourage you to get more than the smallest policy you can find for many the reasons we are happy to discuss with you at insurance@drickardinsurance.com or 607-843-8860. If you have a helper you will need the mandatory employment insurances required by New York State.

Note: Your helpers and "independent contractors" may actually be considered employees.NYS has specific rules for what is an employee and what is an independent contractor. If the helper, independent, sub contractor that works for you does not have their own insurance you may need to cover them under your general liability, workers compensation and NYS DBL/PFL policies.

Light Commercial Operations

In addition to the Commercial Package Policies discussed earlier, larger contractors who have up to 5 employees may find HVAC contractors solutions through us. Actual premiums depend upon coverage specific case by case underwriting. We are happy to discuss your insurance needs with you at insurance@drickardinsurance.com or 607-843-8860.

General Eligibility Rules

No More than 5 employees including the owner(s)
Primarily Residential, Office, and Light Commercial Installations or Repairs
The more experience in class the better price eligibility
$1,500,000 Gross Receipts or less
Less than 35% of work subcontracted to others
No General Contractors
No work done outside of New York State

HVAC Insurance Options

Insurance packages should be customized to meet your companies needs. Insurance should not be purchased as a one size fits all solution. Contact us so we can custom design an insurance package for this need at insurance@drickardinsurance.com or 607-843-8860.

Note: Not all options are available from every insurer.

Click here for an incomplete list of coverage options to select from.