HVAC contractor insurance in Spokane

Carbon monoxide is the claim to plan around

It is rare and it is catastrophic. A combustion or venting error that produces a CO exposure in an occupied home is the one claim that can exceed a $1M limit on its own, before any argument about punitive damages. HVAC contractors working on gas appliances should treat an umbrella as standard equipment rather than an upsell, and should keep combustion-analysis records on every install.

Seasonal payroll and your audit

Spokane HVAC work is violently seasonal — the July heat and the January cold both produce weeks where you are running every tech you can find. If you add temporary labour, make sure it is on the books correctly. Uninsured subcontract labour discovered at audit gets charged back at your own class rate, and it is a nasty bill to receive in a slow month.

Refrigerant, and what the policy excludes

Standard general liability contains a pollution exclusion, and refrigerant release can fall inside it depending on the form and the circumstances. Limited pollution endorsements are available and inexpensive. If you hold meaningful refrigerant stock or work on larger commercial systems, it is worth asking the question before you need the answer.