Insurance for Air Conditioning Service Industries in Texas

As an owner of a professional air conditioning service company, it’s your duty to provide your clients with efficient cooling systems. However, you can’t forget that you also have a duty to protect your brand. Like any business, your company can potentially create mistakes that could lead to accidents and legal issues. Handling lawsuits and other complaints without the right plan can burden you financially, and negatively impact the reputation of your brand.

Keep your company’s future secure with the right insurance policies that are tailored to your industry’s needs.  Contact Quote Texas today if you’re looking for a reliable insurance provider in Texas. We offer various insurance policies that protect your assets, resources and the loyalty of your customers and employees.

Commercial General Liability Insurance

In the event that your brand gets sued for damaging property or causing injury from business operations or the actions of your employees, general liability can cover the financial burdens. This insurance covers the following types of scenarios:

  • Bodily injuries and deaths
  • Damage done to other people’s property
  • Advertising and personal injury (e.g. libel, slander, copyright infringement etc.)

Commercial Property Insurance

Commercial property insurance covers the damages caused by disasters like fires and floods. Depending on your limit, this type of insurance covers the damage and losses of the following:

  • Buildings or structures
  • Furniture and fixtures
  • Landscaping
  • Equipment and inventory of goods
  • Other people’s properties

Workers Compensation

Protecting your employees is included in your responsibilities. In order for your workers not to file a lawsuit against you – due to work-related injury and disease – it’s good to provide your employees with workers compensation. Workers compensation gives employees benefits like:

  • Income benefits – pays for a portion of an employee’s lost earnings.
  • Medical benefits – covers the treatment of work-related injuries or disease.
  • Vocational rehabilitation benefits ­– pays for the injured individual’s physical rehabilitation. It also covers the employee’s training for a new job or occupation.
  • Death benefits – Provide the family of an employee killed on the job with a portion of the employee’s wages.
  • Burial benefits – covers a portion of the funeral expenses.

Business Owner Policy

A business owner policy (BOP) can include commercial general liability insurance, commercial property insurance, business interruption insurance and vehicle coverage. It’s an all-in-one package policy that provides you with tangible and intangible protection. BOP can be customized to suit your company’s specific needs. It can cover:

  • Equipment breakdown
  • Electronic data
  • Employee dishonesty coverage
  • Business income and extra expense

Commercial Auto Insurance

Commercial auto insurance protects your commercial vehicles and the employees driving them if they ever encounter a road-related incident. This policy covers the following losses and damages:

  • Vehicle damage caused by a collision
  • Vehicle damage caused by non-collision incidents (e.g. theft, vandalism and fire and flood)
  • Liabilities resulting from bodily injury or death or another person’s property
  • Personal injury or medical payments of the insured
  • Injury or property damage caused by uninsured or hit-and-run motorists

With the right insurance in place, you can worry less about the hefty lawsuits and concentrate on making your brand better. Contact Quote Texas at 844-756-8684 and start protecting your business today.