132 Columbia Turnpike, Florham Park, NJ 07932

New Jersey NJ Heating Cooling Ventilating Air Conditioning and Refrigeration Contractor Insurance

Insurance for HEATING, COOLING, VENTILATING, AIR CONDITIONING and REFRIGERATION CONTRACTORS (HVACR – HVAC) is one of the focused areas of Franchino Insurance.  We write hundreds of HVACR contractor policies and HVACR license bonds. Policies provided are: package, general liability, commercial auto, & workers compensation, tool floater, etc.

We write the NJ HVAC contractor who installs, services & repairs residential, commercial or industrial heating and cooling equipment, combined units, chillers, etc. Heating units can be forced air or hydronic.  We also insure the refrigeration contractor who services and installs freezers, refrigerators, and walk-in-boxes, etc.  The majority of work should be in New Jersey with only a small amount in New York.

We can provide GENERAL LIABILITY coverage as a separate policy or in a package that includes a tool & equipment floater. When more than one million coverage is required an umbrella can be purchased that provides up to 10 million of coverage. We represent several companies to shop our insurance. Some rate by payroll, some rate by number of full or part-time employees.

General liability limits are available in the amounts of: $500,000. or $1,000,000. One million coverage is almost always chosen because the difference in premium is very little.

Here are two typical GENERAL LIABILITY packages for a ONE-PERSON OPERATION.  A custom quotation needs to be prepared for your individual business. Prices vary by territory, type of operation, credit score, etc. Complete the survey form (see link below ) or call. Ask for James Franchino. Specific information about your business such as ownership, number of employees, type of work done, etc. will be secured. After this information is obtained, a detailed customized quotation will be sent and/or emailed to you along with an application.

Quote #1

  • $500,000 — bodily injury and property damage combined, per occurrence* premises and operations, other than completed operations
  • $1,000,000 — bodily injury & property damage, combined, aggregate*
  • $500,000 — products and completed operations
  • $1,000,000 —products and completed operations aggregate*
  • $100,000 — legal liability
  • $10,000 — medical payments to other than employee

Annual premium starts at $750.

Quote #2

  • $1,000,000 — bodily injury and property damage combined, per occurrence* premises and operations, other than completed operations
  • $3,000,000 — bodily injury & property damage, combined, aggregate*
  • $1,000,000 — products and completed operations
  • $3,000,000 — products and completed operations aggregate*
  • $100,000 — legal liability
  • $10,000 — medical payments to other than employee

Annual premium starts at $883.

Add $150. to $250. for tool coverage
*occurrence means limit per claim, aggregate means limit per year

rabbit with construction plans

GET AN EXACT QUOTE FOR YOUR BUSINESS – complete an online survey form

COMPLETE AN ONLINE SURVEY

 

PURCHASE A MASTER HVACR CONTRACTOR BOND

PURCHASE A MASTER HVACR BOND – Purchase online or print out an application form.

 

WORKERS COMPENSATION Information for HVACR CONTRACTORS

Workers Compensation Sample quotes based on different payroll amounts for NJ HVACR contractors.

COMMERCIAL AUTOMOBILE

We have fantastic rates for commercial auto insurance with several insurance companies to shop for the best price!
Request a commercial auto insurance quote.

HVACR Contractor licensing and continuing education information

EDUCATION

LINKS