Air-conditioning contractors install and repair air-conditioning units in either residential or commercial buildings,
as well as do related duct and vent work. Many air-conditioning contractors are involved in air filtration and
ventilation systems, and some may also work on heating units. Air-conditioning units are normally electric-powered,
but are “charged” with different coolants, some of which may be quite hazardous.
Overall, the residential air-conditioning contractor does not present unusual exposures. However, the commercial contractor may become more of a specialist, dealing with customers demanding a higher degree of precision in filtration systems, as for example medical facilities or manufacturing plants. As precision and specialization increase, so does the exposure to loss.
At the contractor’s own location usually consist of an office operation, and often shop and yard exposures for product, material, equipment, and vehicle storage. The fire exposure is generally light unless repair operations involving welding take place on premises. Many air-conditioning contractors keep product on the premises. Theft and vandalism are potential hazards, and some air conditioners are easily susceptible to damage.
Inland Marine Exposures
Include contractors tools and equipment, the transport of materials, and installation exposure. The types of jobs determine the type of equipment; in addition to hand tools, there may be ladders, scaffolding, and similar equipment. The goods in transit consist of tools and equipment as well as product purchased by the customer for installation at the job site. Air-conditioning units can be of high value and susceptible to damage in transit. The installation floater exposure exists when the units to be installed are delivered to the site in advance of the installation. Hazards to machinery, tools, or building materials left at job sites and awaiting installation include theft, vandalism, damage from wind and weather, damage by employees of other contractors, etc. Many contractors will lease, rent or borrow equipment rather than purchase. Those who do purchase may lease out, rent or loan equipment to others; this poses both an inland marine and a liability exposure.
In Commercial Work
Air-conditioning units are often lifted by crane to roof tops for installation or retrofit. Equipment or air-conditioning units may be subject to drop and fall from heights. Since any accident may trigger both the equipment and installation coverages, as well as possible third-party liability, many contractors prefer to hire a crane with a licensed operator.
At the contractors office or shop is minimal unless retail sales are taking place. The major exposure is at the job site where items may fall, welding may cause fires, and employees may cause injury or damage to employees and property of other contractors and the public. If the contractor is working on existing systems, consider the potential exposure of waste disposal.
Is another major area of potential high loss exposure. When an air- conditioner malfunctions, the cause may be difficult to assign since it may be due to faulty system design, faulty manufacture or faulty installation. Quality control, including work order documentation, and employee training, background, and experience is important. The completed operations losses for air-conditioning contractors had been minimal until the “sick building” exposures started coming to the attention of the courts. Contractors must now pay greater attention to system design, and be especially aware of potential places of stagnant air where air is not properly circulated or filtered.
Are moderate to high, depending on the extent of the transport of materials and machinery. Age, training, experience, and drivers records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider.
Exposures are varied, but both residential and commercial work involve lifting, working with hand tools, wiring, and sheet metal work. Cuts from the fabrication and installation of sheet metal for ducts and vents are common. Any time work is done above ground, injury or death from falls and being struck by falling objects can occur. Complications from the large, heavy machinery and their use, misuse, maintenance, and transport have unique hazards that need review.
The price for insurance on an AC Contractors is based on how many active owners, how much payroll to employees if any, cost of subcontractors if any and the required limits of insurance. Policies start at $500.00.
If you would like a quote for your business, follow this link and complete the online application.
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Business Personal Property, Contractors Tools and Equipment, Goods in Transit, Installation Floater, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Commercial Auto, Workers Compensation
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