insurance covers potential liability for property damage, moisture damage, injuries caused by you or your employees, including any installation or repair problem. This is the most important insurance coverage for HVAC businesses because of the nature of the work.

For example, ventilation installation requires skill and precise placement to avoid leaks or moisture build ups, which could damage your customer’s home or business. General liability protects you from these mistakes and any potential damage you may cause, either to the HVAC units you’re installing or to the physical property where you’re working. These are the two biggest liability areas for the HVAC industry that general liability covers.