The work that heating and air conditioning contractors do exposes them and their businesses to many potential risks. For example, they can have equipment stolen, make a mistake during a job, get into an accident on the way to a job, be injured during a job or have any number of other things happen during the course of a normal workday. HVAC contractor insurance helps shield contractors and their Massachusetts businesses form many covered risks like these.

HVAC business insurance is a specialized form of commercial insurance that’s designed specifically for heating, ventilation and air conditioning specialists. In order to offer these businesses robust protection, most HVAC contractor policies come as package policies that have several individual coverages within them.

HVAC technicians are usually covered by their employer’s insurance policy when they’re working for their employer. In most cases, technicians who only work for their employer don’t need to procure their own individual HVAC contractor policy.

An employer’s coverage typically doesn’t extend to work done outside the scope of employment, though. In other words, side jobs that technicians might do frequently aren’t covered by an employer's policy. 

As a result, technicians who moonlight by doing work on their own often do need to purchase an HVAC contractor policy for these jobs. Again, an informed insurance agent can help with finding a suitable policy for this sort of situation. Someone who’s familiar with HVAC contractor policies will likely know how to get the right coverages at a price that individuals doing part-time work on their own can still afford.