With the blistering heat a mainstay in Crystal River, Florida, you need an HVAC company that you can rely on to help when your air conditioning unit needs maintenance performed on it or when you need a new unit installed. Before hiring an HVAC company, it’s important to know they are bonded and insured, and here are three reasons why.
To Protect Your Home
In Florida, HVAC companies need to carry commercial general liability (CGL) insurance to protect your home should damage be caused to it. If the contractor working in your home drops heavy equipment and damages your floors, you may think homeowner’s insurance would cover a mishap. Unfortunately, that’s highly unlikely unless you’ve purchased coverage for in-home employees as well. If the company carries liability insurance, then you can be confident they will cover any damages incurred while working.
To Protect the Workers
A company should also carry worker’s compensation in the case that an employee gets injured while working in your house. Your homeowner’s insurance policy may cover some of the costs of the worker’s claim, however, it could be an expensive endeavor first. You would likely need to meet your deductible, which can be costly, and on top of that, your rates could increase. If the company carries worker’s compensation, the injured employee will be taken care of and you won’t accrue any costs yourself.
To Protect the Work
Before obtaining a state license, HVAC contractors must first purchase a surety bond. If a contractor neglects to finish the job, fails to obtain necessary permits, or doesn’t pay subcontractors, this bond essentially acts as an insurance to protect you against unexpected costs.
At Senica Air Conditioning, Inc., we are both bonded and licensed, so you can feel confident and safe when doing business with us. We are experts in both installing and maintaining air conditioning units and welcome you to contact us to learn more about the services we offer in Florida. Visit us online or call 866-881-5935 today.
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