Whether you’re an HVAC contractor who’s just getting started in the business or a large, well-established company working in HVAC systems, Tomins is here to help you run your business better.
We take the headaches out of HVAC insurance with our convenient 24-hour online portal. You get time back to focus on what’s truly important — running and growing your business, whether today’s job is air conditioning or heating ventilation or anything in between. And unlike any other online HVAC insurance agency, Tomins is backed by the expertise and experience of Higginbotham.
Maybe more important to you, we understand the unique needs of the HVAC business and are ready to design a policy perfectly tailored for you. From basic business owners insurance to any of the more-specialized types of coverage your unique situation needs, Tomins has you covered.
You deserve an insurance partner that works as hard as you do. Tomins — the right insurance choice today.
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Having the right insurance is one of the most important keys to success in today’s fast-paced business environment. That’s especially true for HVAC sales and service.
In addition to the daily job-related risks and legal liabilities that you’re certainly aware of, you may be surprised to learn about many other risks involved with running an HVAC business — risks that go far beyond those covered by a standard HVAC insurance policy.
From a flood at your office to your employees getting injured to having important documents and records damaged or lost, you need coverage from an insurance partner that knows your business like you do.
At the very least, every company working on HVAC systems should carry a Business Owners Policy (BOP). Standard for any small business, a BPO works similar to a homeowners policy. It protects your business’s buildings, assets, and property.
For HVAC, a standard BOP consists of three basic coverages:
Depending on the nature of your HVAC business and scope of work, you might also need additional coverages outside of your standard BOP coverage. Additional HVAC insurance coverages you may want to consider include:
If you’re an HVAC technical or HVAC business owner who works in a consultative role, it would be wise to think about including Professional Liability Insurance PLI — more more commonly known as Errors and Omission (E&O) insurance.
Anytime someone is being paid to lend their expertise or consult, an E&O risk is possible. If you’re working on a project and are in charge of directing other HVAC technicians, it would be wise to add E&O coverage to your HVAC insurance policy.
Whether you give someone the wrong instructions, or a subordinate makes an error or is negligent in an HVAC installation, you could be held legally responsible for any damages that occur as a result.
In addition, Tomins HVAC Insurance offers fully customizable coverage for any individual situation. Our specialized HVAC Insurance policies can also include:
Depending on the size of your HVAC business, the cost for a standard Business Owners Policy (BOP) can range from around $350 for a single HVAC contractor to more than $10,000 for a large HVAC business.
If you think about the massive financial losses you could suffer from an uncovered incident, the cost of insurance premiums typically pale in comparison. While the cost of various HVAC insurance coverages can vary considerably, this table outlines some added coverage costs for a typical HVAC operation:
At Tomins, we are in the business of making HVAC insurance easy. Start your free, personalized HVAC insurance quote now on our online quote page [LINK]. To make sure we can provide the most accurate and competitive quote possible, it helps to make sure you have the following information available when you apply:
Take the time to make sure all of this information is up to date and accurate. It’s the best way to ensure that we can provide you with the best quote possible.