Does HVAC service insurance cover new installations?
Do not assume servicing equipment and installing a complete system have the same accepted scope. List equipment replacement, ductwork, refrigeration, new construction and any design responsibility. Identify who performs electrical, gas and other specialist connections.
For rooftop units, describe lifting arrangements and who supplies and operates the crane. Ask about damage to the customer’s building, the unit being installed and equipment in transit or on site.
- Separate installation, replacement, maintenance and refrigeration work.
- Identify electrical/gas connections and subcontracted tasks.
- Disclose rooftop access, lifts and crane responsibilities.
What if a condensate leak damages a customer’s building?
Have the reviewer explain damage discovered during the job and after completion. Distinguish repairing your faulty connection from resulting damage to walls, flooring or contents. Ask about water-damage, mold and completed-operations wording rather than treating a GL limit as the answer.
Refrigerant releases, contamination and cleanup are additional questions. Describe the substances and systems you use and ask whether pollution-related coverage is needed for those operations.
- Prepare a leak scenario and request the applicable wording.
- Review mold, pollution and completed-operations terms.
- Ask separately about repair of your work and other resulting damage.
Who insures units, tools and unfinished installations?
List equipment you own, rent, transport or store for a project, including customer-owned units. Review responsibility during delivery, staging, installation and handover. A general liability proposal does not by itself settle all these property questions.
Prepare customer contract requirements, receipts, payroll, subcontractor costs and claims history. Compare coverage and payment terms using the same operation and estimates for every market.
- Document ownership and responsibility at each project stage.
- Review tools, equipment and project-property needs separately.
- Resolve the customer insurance exhibit before issuing evidence.
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Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.