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Installation techniques 020If you're going to have somebody working at your home, it is very important for you to ensure that they carry the right amount of insurance. This is especially true when you are having someone work on your HVAC unit, as they may be working both inside and outside of the home on the same day. The fact the matter is, there are multiple types of insurance the can be carried by the contractor and you should make sure that they have those insurances available before they begin doing any work in your home. Not only is it going to help you to avoid some of the mishaps that could occur if they do not carry insurance, it also can helps you to have a good idea of the type of business that they are running. Here is some specific information about the insurance that they should be carrying.

One important type of insurance that should be carried by your HVAC contractor is liability insurance. This type of insurance will cover you, as well as the house, if there should happen to be any problems that occur when they are at the home. The type of liability insurance that they have may differ from one contractor to another and if you have any concerns, you can check into this in advance. You should ensure that they are covered for any damage that occurs in the home while they are there.

The importance of workers compensation insurance

You should also check to see if your HVAC contractor is carrying workers compensation insurance. If they have any technicians that are working in your home which are hired by their company, they need to be responsible for any injuries or problems that occur with the individual while they are in your home. Workers compensation is going to be the type of insurance that covers them in that instance. It is important to note, if they do not carry Worker's Compensation insurance, you may end up being responsible for some or all of the expenses that occur due to the injury of the technician. That is not always the case, but it is something that should be considered when hiring a contractor.

by Bill Grote

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