Complete our Iowa Refrigeration Insurance quick quote form or call 952-469-0425.
Refrigeration contractors are professionals in their trade; working on a variety of refrigeration projects both commercial and residential. It takes special skills to run a refrigeration company put together jobs and coordinate the employees. You are an experienced refrigeration contractor and pay attention to the smallest of details. You work on all types of projects like constructing, fabricating, erecting, installing, maintaining, servicing, and repairing refrigerators, refrigerated rooms, and insulated spaces. Also, temperature insulation, air-conditioning units, ducts, blowers, registers, humidity, and thermostatic controls for air and liquid.
However, there are still times when things could go wrong. Refrigeration contractors can have an accident, make a miscalculation, and cause large property damage and bodily injury. Clients who experience negligence can sue your Iowa contracting business. Be sure and buy a comprehensive refrigeration insurance plan. Refrigeration contractors can protect their business from costly liabilities and damages.
Not only does your insurance plan need to be comprehensive, but it also needs to be low cost. Contact Iowa Contractors Insurance today at 952-469-0425! Our independent insurance agency specializes in contractor insurance. We offer Insurance plans for all types of Iowa contractors, read our bio. We shop multiple top-rated insurance companies and match you up with the best fit—the best fit for your growing refrigeration business. We have been doing this for many years, so we know which policies suit your business. Perhaps you are an Iowa independent contractor just starting. Maybe you have an established refrigeration business. Either way, we can make recommendations on the types of coverage you should purchase. Plus, we give you a choice of insurance companies. Some of those coverages are, but are not limited to:
Commercial General Liability Insurance – General liability insurance covers your business or your workers should they be sued or found liable for the following types of claims:
- Damage to other people’s properties
- Bodily injuries and deaths
- Advertising and personal injury
Commercial general liability insurance will also cover the cost of the damages and losses incurred in the event. This insurance can cover the cost of your legal defense and medical fees. Refrigeration businesses need protection for their premises, products, operations, and completed operations.
Commercial Property Insurance – Commercial property insurance helps cover your business property if it encounters a disaster. This insurance will cover the loss or damage of the following should a fire or other covered peril arise:
- Other people’s properties
- Business personal property & equipment
- Furniture and fixtures
- Building or structure
Workers’ Compensation Insurance – Workers’ compensation insurance is required by Iowa law in most cases. If you own an Iowa refrigeration company, it is only fair to provide your employees with complete workers’ compensation. Your employees could be injured on the job. So, it is good to reassure your employees that they and their families are financially secure if an accident happens on the job. Workers’ compensation can also serve as a safety net in case a sub-contract gets hurt and is deemed to be an employee. Iowa workers compensation insurance offers several benefits, which are:
- Income benefits
- Medical benefits
- Burial benefits
- Death benefits
- Vocational rehabilitation benefits
Equipment and Tools Insurance – Equipment and tool insurance covers the cost of these things in the event they are stolen or destroyed. Though some commercial general liability may provide a small amount of coverage, it’s always best to take inventory and make sure you are adequately protected. If you provide refrigeration services to residential homes and commercial properties, you most likely have some expensive equipment like manifold gauges, multimeters, reciprocating saw, micron gauges, recovery units. And don’t forget about some of the hand tools like a tube cutter, vacuum pump, thermometer, extension cord, cordless drill, wire strippers, tape measure, step ladder, screwdriver, pliers, pipe wrench, hammer, coil fin straightener, megger, refrigerant scale. Protect them!
Commercial Auto – Should any of your refrigeration businesses commercial vehicles meet an accident while in transit, commercial auto insurance to cover the following incidents:
- Liabilities resulting from damage to another person’s property, injury, or death
- Damage from collision
- Damage from non-collision (e.g., vandalism, theft, and other perils)
- Personal or medical payments of the insured
- Injury or property damage caused by hit-and-run motorists or the uninsured
Apart from these essential policies, Iowa Contractors Insurance can include other kinds of insurance in your plan. We can add bonds or even a business owner’s policy if you are looking to secure your company even further.
Contact us for Refrigeration Insurance in Des Moines, Cedar Rapids, Davenport, Sioux City & Iowa City
We make insurance simple to understand and easy to purchase. Simply complete our quick quote form or call us at 952-469-0425 today and we will create a refrigeration insurance plan for you.