HVAC business insurance: What every owner needs to know.

The HVAC (Heating, Ventilation, and Air Conditioning) industry plays a critical role in providing essential services to various clients. In this guide, we will explore HVAC business insurance to understand why it's indispensable for contractors and what sets their insurance needs apart. Let's get started! Do HVAC Contractors Need Business Insurance? You bet your hot and cold air they do! Make no mistake, we have a bias on this. But think about it logically. Why wouldn't you insure the thing that you've invested the most blood, sweat, and money in? Here are 3 reasons you should: 1. Protect Against Liability…

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Commercial box truck insurance: Everything you need to know!

What you're about to read is a comprehensive guide to commercial box truck insurance. If you're a business owner or an individual operating a box truck, understanding the nuances of commercial box truck insurance is crucial. In this article, we'll unravel the complexities surrounding this specialized form of insurance, covering everything from what it entails to the factors influencing its cost. What is a Commercial Box Truck? Before delving into commercial box truck insurance, let's understand what defines a commercial box truck. A commercial box truck, also known as a cube truck or box van, is a motor vehicle characterized…

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The ultimate guide to lawn care business insurance

Starting your own lawn care business is exhilarating. The fresh air, the scent of newly mowed grass, and a great tan are just a few perks of the trade. But, as with any business venture, it's essential to be prepared, and that's where lawn care business insurance comes into play. Let's dive into the ins and outs of ensuring your budding enterprise is protected. Why do lawn care businesses need insurance? Picture this: you're mowing a client's lawn, and the mower kicks up a stone, shattering a window. Or perhaps, while trimming a hedge, you accidentally snip a sprinkler line.…

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Can your Business Survive the Loss of a Key Employee?

In today’s economy, the value of your key employees is becoming one of the most important questions on small business owners’ minds—and businesses need to come up with the answer to this question sooner rather than later, or their business survival could be in jeopardy. “Take away all my factories and my equipment. Take away my wealth. But leave me with my key people and in a short time I’ll have it all back again.” – Attributed to Andrew Carnegie Business owners should take stock of who their key employees are and ask themselves how (or whether) their business could…

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The Importance of Employment Practices Liability Coverage

Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time. In fact, such employment practices claims are widespread – so much so that most businesses are much more likely to have an employment practices liability claim than a general liability or property loss claim. Nearly three-quarters of all litigation against corporations today involves employment disputes, which can be extremely costly. The expenses associated with an employment practices claim are significant. In 2018, the Equal Employment Opportunity Commission resolved 90,558 charges of discrimination and recovered about $505 million in…

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Drive Other Car Coverage: Protect Your Officers

When it comes to driving a car you don’t own, the auto coverage situation can become complicated. That’s when drive other car coverage, which broadens coverage for named individuals, comes in. For example, say Linda is a junior partner in a law firm. She drives a car that the firm owns and insures, and she doesn’t own another car. Since the Rental Auto Coverage Most of the time, this doesn’t create any problems for Linda. However, when spring break rolls around, she decides to take her kids to Disney World. She rents a car at the Orlando airport without giving…

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Questions About Fire Sprinkler Systems

Now that you know more about how to reduce your homeowner’s premium, it is time to learn about how to save money and save lives with your fire sprinkler system. Automatic fire sprinkler systems can end up saving lives and preventing disasters from occurring. However, you may have questions about how fire sprinkler systems work and why they can be so effective.  Point blank, fire sprinklers are effective--according to the National Fire Protection Association, there are no records of fires resulting in more than two fatalities in areas that had adequate sprinkler systems. In these cases, the deceased were typically…

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Annual Insurance Review is Crucial to Your Growing Business

As a business owner, do you have the right insurance policy?   Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage as you did a decade ago, or even just a few years ago, the chances are high that you are underinsured.   One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities. To avoid this mistake and…

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