Tennessee Air Conditioning Systems Installation Repair Insurance

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Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Tennessee Air Conditioning Systems Installation Repair Insurance Policy Information

TN Air Conditioning Systems Installation Repair Insurance

Tennessee Air Conditioning Systems Installation Repair Insurance. Air-conditioning contractors install, service, maintain and repair air-conditioning units in residential or commercial buildings, including related duct and vent work. Many air-conditioning contractors service air filtration and ventilation systems, and some may work on heating units. Air-conditioning units are normally electric-powered, but are "charged" with different coolants, some of which may be quite hazardous. There may be installation of anti-theft cages or other security devices. The contractor could provide 24 hour emergency service.

Air conditioning systems installation and repair insurance is a type of commercial insurance that any company that works in the air conditioning industry should have. Running an air conditioning installation and repair business can be very profitable, but those profits can quickly turn into losses if you end up dealing with an injury to a customer, employee or a third party, or if one of your technicians ends up causing damage to the property that he or she is working on. The basic idea behind any kind of Tennessee air conditioning systems installation repair insurance is that you hope you never have to use it.

Tennessee air conditioning systems installation repair insurance protects your HVAC contracting business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.

Liability Protection For Your HVAC Business

It's up to every TN air conditioning business to do everything in their power to ensure their employees are properly trained. Properly trained employees are less likely to make the kinds of mistakes that lead to injuries or property damage. With that being said even a company that takes every conceivable precaution cannot prevent all accidents from happening. That's why you need to have Tennessee air conditioning systems installation repair insurance.

TN HVAC Risks & Exposures

Air-conditioning contractors install, service, maintain and repair air-conditioning units in residential or commercial buildings, including related duct and vent work. Many air-conditioning contractors service air filtration and ventilation systems, and some may work on heating units. Air-conditioning units are normally electric-powered, but are "charged" with different coolants, some of which may be quite hazardous. There may be installation of anti-theft cages or other security devices. The contractor could provide 24 hour emergency service.

Property exposures at the contractor's own location are generally limited to an office and storage for supplies, equipment, and vehicles. The fire exposure is generally light unless there are repair operations involving welding or brazing on premises. Many air-conditioning contractors keep products or parts on premises, increasing the exposure to fire, smoke, water damage, breakage, theft and vandalism.

Crime exposure is primarily from theft. Parts and even entire units are targeted and sold as scrap metal. Precautions should be taken when units are delivered to new construction sites. While in transit the vehicle should be attended at all times. Employee dishonesty is another exposure. Background checks, including criminal history, should be performed on all employees providing services to customers or handling money.

All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly. There may be some copper components on premises that could present a theft exposure because copper is valuable when sold at a scrap metal yard.

Inland marine exposures include accounts receivable if the contractor offers credit to customers, computers, contractors' equipment and tools, including ladders and scaffolding, goods in transit, installation floater, and valuable papers and records for customers' and suppliers' information. Contractors' machinery, tools, or building materials left at job sites are exposed to loss by theft, vandalism, damage from wind and weather, and damage by employees of other contractors. Contractors may lease, rent or borrow equipment, or may lease out, rent or loan their owned equipment to others, which poses additional risk as the operator may be unfamiliar with operation of the borrowed item.

If air-conditioning units are lifted by crane to roof tops for installation or retrofit, or dropped into place by helicopters, the units could be damaged from drops and falls. Since an accident may trigger both the equipment and installation coverages, as well as possible third-party liability, many contractors prefer to hire a crane or helicopter with a licensed operator. Goods in transit consists of tools and equipment as well as products purchased by the customer for installation at the job site. Air-conditioning units can be of high value and susceptible to damage in transit, requiring expertise in loading to prevent load shift or overturn. There is an installation floater exposure when the units to be installed are delivered to the site in advance of the installation.

Premises liability exposures at the contractor's office are generally limited due to lack of public access. Retail sales increase the possibility of customers slipping, falling, or tripping. Off-site exposures are extensive. During installation, electrical voltage must be turned off at the job site in order to reduce the risk of electrical burns or electrocution to others entering the area, and turned back on after work stops, all while minimizing any disruption of electrical service to other homes or businesses in the vicinity. Installing air conditioning can be invasive and require work throughout a home or business, resulting in a high potential for property damage.

The area of operation should be restricted by barriers and proper signage to protect the public from slips and falls over tools, power cords, building materials, and scrap. Welding presents potential for burns or setting the property of others on fire if not conducted safely. If there is work at heights, falling tools or supplies may cause bodily injury or property damage if dropped from ladders, scaffolding, cranes or helicopters.

Completed operations liability exposures can be severe due to improper wiring or grounding. When an air-conditioner malfunctions, it may be difficult to determine the cause since it may be due to faulty system design, faulty manufacture or faulty installation. Significant completed operations exposures may be present in system installations at medical facilities and locations requiring refrigeration of goods. Quality control, including work order documentation, and employee training, background, and experience is important.

Environmental liability exposures may exist if the contractor is responsible for the disposal of old air-conditioning equipment as these may contain PCB's. Disposal procedures must adhere to all EPA and other regulatory standards. Proper written procedures and documentation of both the transportation and disposal process are important.

Automobile exposures are generally limited to transporting workers, equipment and supplies to and from job sites. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location. Vehicles may have special modifications or built-in equipment such as lifts and hoists. Large air conditioners may be awkward and require special handling and tie-down procedures.

Workers compensation exposures vary based on the size and nature of the job. Injuries can occur from working with hand tools, slipping or falling, back injuries such as hernias, strains and sprains from lifting, and cuts from the fabrication and installation of sheet metal for ducts and vents. Electrical burns are common; electrocution can occur from the use of high-voltage lines. When work is done on ladders and scaffolds, employees can be injured from falling, being struck by falling objects, or adverse weather conditions.

The use, misuse, maintenance and transport of large, heavy machinery can result in severe injury. Failure to enforce basic safety procedures, such as power shutoff prior to commencing certain operations, may indicate a morale hazard. Employees must be carefully selected, trained and supervised.

Minimum recommended coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, Goods in Transit, Installation Floater, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto & Workers Compensation.

How Air Conditioning Systems Installation And Repair Insurance Protects You

What happens if one of your technicians, despite their high level of training, messes something up on the job? Well if it's a minor issue then as a business owner your best course of action is probably going to be to try to resolve the problem yourself. You don't want to have a customer anymore upset with you than they already are, so making things right is the smart business move to make. But at some point the damages could become too costly to be able to simply cover yourself.

While it is unlikely there is always the possibility that one of your employees will cause more damage to a property than you an afford to pay for out of pocket. Damages aren't limited to only the air conditioning system they are working on either. When your company is hired to work on the air conditioning system on a property your company is also going to be responsible for any damages they cause.

For example what happens if they end up collapsing part of the roof when an air conditioning unit wasn't installed properly? What happens if during the unit falling it also tears up plumbing or electrical wiring? What happens if the unit falls when nobody is home, damages a gas line, and causes a house fire? While these may seem like unlikely scenarios they are scenarios that could happen. In the worst case scenario you could be looking at hundreds of thousands of dollars in repair costs and punitive damages. If you don't have Tennessee air conditioning systems installation repair insurance then your company is going to have to pay for that out of pocket. That's the kind of expense that can easily put you out of business.

While property damage claims can be very damaging injury claims can be far worse. If one of your employees accidentally causes an injury to a customer or someone else then your company is also liable for that. With injuries the potential damages are enormous. In a worst case scenario it's possible that one of your employees could cause permanent disability or even death to someone while they are on the job. If that happens it's more than unfortunate, it's downright tragic.

But just because one of your employees is at fault for a terrible accident do you really think that you deserve to lose thousands of dollars or more, and with that loss also suffer the end of your business? Of course not, as long as you were a responsible business owner that ensured your employees were well trained and had the right equipment then you have done your part to help prevent any tragic accidents from happening. Once again this is where Tennessee air conditioning systems installation repair insurance is so invaluable. It acts as a shield in the very unlikely event that someone is hurt or worse by one of your employees while they are working on a job.

TN AC Systems Installation & Repair Risks & Exposures

Premises liability exposures at the contractor's office are generally limited due to lack of public access. Retail sales increase the possibility of customers slipping, falling, or tripping. Off-site exposures are extensive. During installation, electrical voltage must be turned off at the job site in order to reduce the risk of electrical burns or electrocution to others entering the area, and turned back on after work stops, all while minimizing any disruption of electrical service to other homes or businesses in the vicinity.

Installing air conditioning can be invasive and require work throughout a home or business, resulting in a high potential for property damage. The area of operation should be restricted by barriers and proper signage to protect the public from slips and falls over tools, power cords, building materials, and scrap. Welding presents potential for burns or setting the property of others on fire if not conducted safely. If there is work at heights, falling tools or supplies may cause bodily injury or property damage if dropped from ladders, scaffolding, cranes or helicopters.

Completed operations liability exposures can be severe due to improper wiring or grounding. When an air-conditioner malfunctions, it may be difficult to determine the cause since it may be due to faulty system design, faulty manufacture or faulty installation. Significant completed operations exposures may be present in system installations at medical facilities and locations requiring refrigeration of goods. Quality control, including work order documentation, and employee training, background, and experience is important.

Environmental liability exposures may exist if the contractor is responsible for the disposal of old air-conditioning equipment as these may contain PCB's. Disposal procedures must adhere to all EPA and other regulatory standards. Proper written procedures and documentation of both the transportation and disposal process are important.

Workers compensation exposures vary based on the size and nature of the job. Injuries can occur from working with hand tools, slipping or falling, back injuries such as hernias, strains and sprains from lifting, and cuts from the fabrication and installation of sheet metal for ducts and vents. Electrical burns are common; electrocution can occur from the use of high-voltage lines. When work is done on ladders and scaffolds, employees can be injured from falling, being struck by falling objects, or adverse weather conditions.

The use, misuse, maintenance and transport of large, heavy machinery can result in severe injury. Failure to enforce basic safety procedures, such as power shutoff prior to commencing certain operations, may indicate a morale hazard. Employees must be carefully selected, trained and supervised.

Property exposures at the contractor's own location are generally limited to an office and storage for supplies, equipment, and vehicles. The fire exposure is generally light unless there are repair operations involving welding or brazing on premises. Many air-conditioning contractors keep products or parts on premises, increasing the exposure to fire, smoke, water damage, breakage, theft and vandalism.

Crime exposure is primarily from theft. Parts and even entire units are targeted and sold as scrap metal. Precautions should be taken when units are delivered to new construction sites. While in transit the vehicle should be attended at all times. Employee dishonesty is another exposure. Background checks, including criminal history, should be performed on all employees providing services to customers or handling money. All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly. There may be some copper components on premises that could present a theft exposure because copper is valuable when sold at a scrap metal yard.

Inland marine exposures include accounts receivable if the contractor offers credit to customers, computers, contractors' equipment and tools, including ladders and scaffolding, goods in transit, installation floater, and valuable papers and records for customers' and suppliers' information. Contractors' machinery, tools, or building materials left at job sites are exposed to loss by theft, vandalism, damage from wind and weather, and damage by employees of other contractors.

Contractors may lease, rent or borrow equipment, or may lease out, rent or loan their owned equipment to others, which poses additional risk as the operator may be unfamiliar with operation of the borrowed item. If air-conditioning units are lifted by crane to roof tops for installation or retrofit, or dropped into place by helicopters, the units could be damaged from drops and falls. Since an accident may trigger both the equipment and installation coverages, as well as possible third-party liability, many contractors prefer to hire a crane or helicopter with a licensed operator. Goods in transit consists of tools and equipment as well as products purchased by the customer for installation at the job site.

Air-conditioning units can be of high value and susceptible to damage in transit, requiring expertise in loading to prevent load shift or overturn. There is an installation floater exposure when the units to be installed are delivered to the site in advance of the installation.

Automobile exposures are generally limited to transporting workers, equipment and supplies to and from job sites. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location. Vehicles may have special modifications or built-in equipment such as lifts and hoists. Large air conditioners may be awkward and require special handling and tie-down procedures.

TN Air Conditioning Systems Installation Repair Insurance

If you think you can't afford the right Tennessee air conditioning systems installation repair insurance, and think you can go without it, then you are making a huge mistake. Something you are doing to try to save yourself some money could end up ultimately costing you far more money. The bottom line is that a part of being a responsible business owner is ensuring that you have well trained employees, the right equipment, and also the right insurance.

Tennessee Economic Data & Commercial Insurance Information

Made In Tennessee

If you're a entrepreneur, you need more than just a great products and services and a well-established business model to be a success; you also need to choose the right location for your organization. No matter how awesome your ideas are, if your business isn't located in a place where what you offer will provide value to consumers, you're going to struggle to succeed.

Whether you're thinking about setting up the headquarters of your organization or you're planning on opening a branch of your company in Tennessee, familiarizing yourself with the economic trends and the requirements for commercial insurance in the state is crucial for your success. Below, we offer insights regarding job growth and insurance coverage requirements in The Volunteer State.

Economic Trends For Small Business In Tennessee

In regard to job growth, the state of Tennessee is exceeds the rate of national job growth. As of February 2019, unemployment rates were at a historic low in The Volunteer State, with a rate of 3.2% throughout the state; 0.1% lower than the last historic low of 3.3% in October of 2018. That's lower than the national unemployment rate, which was reported to be 3.8% in February of 2019. Economists are forecasting continued job growth throughout the state into 2019.

In addition to positive job growth, the state of Tennessee offers other favorable conditions for entrepreneurs. No personal income tax and more training and education opportunities for the workforce are just some of the factors that make The Volunteer State a great place for business owners of both established companies and startups. While the entire state offers favorable conditions for businesses, the eastern and middle areas are considered the best to start a business; this includes big cities like Nashville and Knoxville; however, cities throughout the state are also offering great opportunities for business operations, such as Chattanooga, Memphis, Pigeon Forge, Alcoa, Lebanon, and Crossville.

Industries that are thriving in Tennessee include:

  • Agriculture
  • Construction
  • Healthcare
  • Information technology
  • Manufacturing
  • Technology, as a whole
Business Insurance Regulations & Limits In TN

The Tennessee Department of Commerce & Insurance regulates insurance in Tennessee. Just like any other state in the country, there are regulations in place regarding commercial insurance. Business owners are required to carry certain types of coverage to protect themselves, their clients, and their employees.

Small businesses with 5 or more employees are required by TN state law to have workers comp insurance coverage. That drops to 1 or more employees if they operate in the construction business or trades (construction service providers).

If you use certain types of motor vehicles for business-related purposes, you'll also need to invest in commercial auto insurance coverage to protect your drivers, as well as other drivers on the road.

Additional Resources For Contractors & Home Improvement Insurance

Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.


Contractors And Home Improvement Insurance

A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.

Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.

Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.

In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.

An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.

Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.

Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.


Request a free Tennessee Air Conditioning Systems Installation Repair insurance quote in Alcoa, Arlington, Athens, Atoka, Bartlett, Bloomingdale, Brentwood, Bristol, Brownsville, Chattanooga, Church Hill, Clarksville, Cleveland, Clinton, Collegedale, Collierville, Columbia, Cookeville, Covington, Crossville, Dayton, Dickson, Dyersburg, East Ridge, Elizabethton, Erwin, Fairfield Glade, Fairview, Farragut, Fayetteville, Franklin, Gallatin, Germantown, Goodlettsville, Green Hill, Greenbrier, Greeneville, Harriman, Harrison, Hartsville, Henderson, Hendersonville, Humboldt, Jackson, Jefferson City, Johnson City, Kingsport, Kingston, Knoxville, La Follette, La Vergne, Lakeland, Lawrenceburg, Lebanon, Lenoir City, Lewisburg, Lexington, Loudon, Lynchburg, Manchester, Martin, Maryville, McKenzie, McMinnville, Memphis, Middle Valley, Milan, Millersville, Millington, Morristown, Mount Juliet, Munford, Murfreesboro, Nashville-Davidson, Newport, Nolensville, Oak Ridge, Oakland, Paris, Pigeon Forge, Portland, Pulaski, Red Bank, Ripley, Savannah, Sevierville, Seymour, Shelbyville, Signal Mountain, Smyrna, Soddy-Daisy, South Cleveland, Spring Hill, Springfield, Sweetwater, Tellico Village, Tullahoma, Union City, White House, Winchester and all other cities in TN - The Volunteer State.

Also learn about Teneessee small business insurance requirements for general liability, business property, commercial auto & workers compensation including TN business insurance costs. Call us (901) 255-6544.

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