It should go without saying that any contractor who performs services of any kind on your property must carry the proper business insurance. As a hired professional under written or spoken contract to provide a service, a contractor must provide insurance for their employees and business, in the event of accident or other unanticipated act, including possibly negligence. Any reputable company should be able and willing to provide you with proof of their insurance. Furthermore, although some smaller companies may try to avoid the additional expense, carrying business insurance is a legal requirement of doing business.
Your residential HVAC contractor is responsible to keep your home or business free of water, gas and other dangers that pose a potential liability exposure. Additionally, given the risk of emission of carbon monoxide, nitrogen oxides, formaldehyde, volatile organic compounds and other combustion byproducts resulting from insufficient or inadequate installation of HVAC system components, it is imperative that your HVAC contractor carry proper commercial property and liability coverage for property damage or bodily injury caused by its employees, products or services.
Not only are you, the property owner, potentially liable should accident or injury occur on your property if the business owner is uninsured, but you also want to protect yourself in the event that the contracted work is performed below acceptable industry standards. It is your responsibility, as property owner, to ensure that you are protected by their insurance coverage. So, when you choose your local HVAC contractor to design and install your new system, do yourself a favor and make certain that they carry the necessary insurance. You will rest easier, just knowing that you are well protected.
