Air Duct Cleaning Service Insurance

A Guide to Air Duct Cleaning Service Insurance

Don't miss your chance to protect your business.

Air Duct Cleaning Service Insurance

Air duct cleaning services clean out the air ducts and other parts of a home’s HVAC system.

If something goes wrong while you’re working in someone’s home, you’ll likely face some fairly significant financial losses. That’s why you need air duct cleaning service insurance to help you mitigate your risks and protect your business.

A local independent insurance agent can help you find the right business insurance policies that are tailored to your industry.

Why Do You Need Air Duct Cleaning Service Insurance?

Professional air duct cleaning services use specialized blowers, vacuums, and brushes to clean out the supply, intake, and return ducts throughout home HVAC systems. Air duct cleaning also usually involves cleaning the air handler, registers, grilles, fans, motors, housings, and coils of the HVAC system.

Your employees use various tools and equipment to work in private homes for several hours in order to complete a job. The potential for causing injuries or property damage is always present.

Air duct cleaning service insurance protects your business from these and other risk exposures, such as the following.

  • Property losses (losses to buildings, tools, equipment, and other valuable commercial property) from a variety of sources, including fire, theft, severe weather, and vandalism
  • Business interruptions
  • Motor vehicle accidents involving your work trucks
  • Worker illnesses and injuries

Air duct cleaning service insurance lets you protect your business from a variety of potentially devastating losses.

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General Liability Insurance for Air Duct Cleaning Services

Commercial general liability (CGL) insurance pays for claims of bodily injury and property damage to third parties due to your negligence. If you damage a home or a building that you’re working on or cause an injury to a bystander, you can expect to pay for the resulting property repairs or medical bills, at least.

If you are sued because of the incident, you’ll have to defend yourself and potentially pay out a financial settlement. A CGL policy covers property damage costs and medical expenses for the injured party. It also covers your legal expenses, as well as any financial settlements or legal judgments rendered against you if you're sued. 

What Other Types of Liability Insurance Do You Need?

Your air duct cleaning service insurance package may contain the following additional types of liability coverage, as well.

An independent insurance agent can help you customize these policies to your unique needs.

Property Insurance for Air Duct Cleaning Services

Commercial property insurance protects buildings and their contents, including computers, office equipment, furniture, and all of your commercial property (whether it is owned or leased) if it is damaged by fire, smoke, theft, vandalism, or some other covered peril.

If you sustain damage that forces you to temporarily close or relocate, business interruption coverage will reimburse you for ongoing expenses (rent, salaries, etc.) and lost income during the closure or relocation period.

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What Other Types of Property Insurance Do You Need?

You may also need additional property coverage for your business. Talk to your independent insurance agent about your need for the following.

  • Flood or hurricane insurance: Your basic commercial property policy does not cover flood or hurricane damage. Talk to your agent about flood and hurricane insurance if you live in an area that is prone to these events.
  • Employee crime and dishonesty coverage: Protects your business from the costs of theft, dishonesty, and fraudulent acts committed by an individual employee or a group of employees. It provides coverage for forgery, alteration, theft, unauthorized electronic funds transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.
  • Inland marine insurance: Covers tools, equipment, and supplies as they are in transit. And if any of your tools are stolen from a job site, inland marine insurance will cover the cost of replacing the tools.

A local agent can help you determine which types of additional property policies should be added to your air duct cleaning service insurance program.

What Is Workers’ Compensation Insurance and Why Do You Need It?

Accidents involving your workers can happen at any time. They work in cramped spaces and can inhale dust, soot, and other irritants. They use a variety of tools and equipment in sometimes awkward, unsafe positions. They may suffer from lung irritation, eye irritation, back injuries, repetitive motion injuries, or other work-related illnesses or injuries.

If one of your employees gets injured while on the job, you’re responsible for paying for his or her medical expenses. What’s more, he or she may not be able to work until fully recovered, leaving the employee without his or her income.

Workers’ compensation insurance protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.

How Much Does Air Duct Cleaning Service Insurance Cost?

Air duct cleaning service insurance costs will vary depending on the unique characteristics of your business, such as the location, the number of employees, the value of your commercial property (building plus contents), whether or not you own your building, and how many vans or commercial vehicles you own and operate.

Air duct cleaning service insurance could cost several thousands of dollars per year, or more. The amount of coverage you need and the deductibles you choose also impact your insurance costs.

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Benefits of an Independent Agent

An independent insurance agent who has experience working with air duct cleaning services and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Air Duct Cleaning Service Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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