For Subcontractors & Tradies
Business Insurance for
Business insurance for HVAC contractors is an essential aspect of protecting your business from damages that may occur during the course of your work.
HVAC (heating, ventilation and air-conditioning) contracts involve the purchase and installation of high-value equipment that is central to the amenity of any building in Australia. HVAC contractors often work at heights, in, around and on top of other trades. While the build itself is risky, owners may also discover issues during the HVAC system’s life cycle.
HVAC contractors face risks across both the project and the lifespans of the products they install. These include:
- Site – third-party property, contract works, design/buildability risks
- Product – failure of the installed product, legal liability for payment disputes
- Transport – vehicle, materials in transit
- Operational – employee, safety, cyber security
- Factory / Warehouse / Office – theft, fire, business interruption
Adelaide-based Be Covered Insurance Brokers are here for you. We understand what HVAC contractors throughout Australia need and take the pain out of getting the right mix of insurances for your business so you can get on with doing what you do best.
Insurance Products for
Most electrical, electronic and HVAC contractors we meet, both from Adelaide and interstate, understand risks such as product failure causing fire, third-party injury or damage, or the all-too-common theft of copper or other valuable equipment on-site. However, we often see businesses that don’t understand the scope of available cover across the complex nature of these businesses, particularly as new insurance products have developed to deal with changing business conditions. Whether you are a newly established business or have been operating for a long time, it is worth reviewing your mix of insurance products to decide if you need products to cover risks such as:
- Statutory liability to cover risks such as OHS and employment practices
- Professional indemnity for design risk and pure economic loss claims
- Tenant liability for leased premises
- Cyber liability to protect valuable infrastructure and data
- Materials both on an away from site
- Machinery and electronic equipment breakdown
- Legal liability for contract or payment disputes
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