Pollution & Professional Exposures For HVAC Contractors In New Jersey

Although HVAC contractors are traditional risk takers, in recent years they have become the focus of a growing number of pollution-related claims. Installation, maintenance, and repair of HVAC systems can create conditions for contamination, such as poor indoor air quality and mold. 

Daily operations at the construction site can prevent the presence of asbestos, lead, or other contaminants on the construction site. Materials and equipment brought to the job site may spill or leak during transport or use on contract work. You can also hire a professional HVAC contractors in New Jersey for your needs.

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HVAC contractors also face the risk of professional liability which may not be obvious to the insured due to the focus on executing the contract. E&O claims can arise from: (1) change of location where failure could result in direct professional responsibility for the contractor, (2) supervision of subcontractors, and (3) design work being performed, particularly where the contractor has felt responsible for comment on these aspects. from a design he knew was retarded.

The risks outlined above are generally excluded from general liability policies, so HVAC contractors need to have comprehensive coverage that will protect them from potential claims and therefore help secure the future of their business. Beacon Hill's program division, Partner One Environmental, has several products that can effectively meet the coverage needs of this business class:

Contractor's responsibility for pollution

Contractor Pollution Liability Insurance (CPL) is designed to protect against third-party claims for damages caused by “pollution conditions” arising from the insured's activities. This coverage applies to all types of tankers and is important because these pollution claims may not be covered in general liability forms. You can also get more information about HVAC contractors in New Jersey via https://twitter.com/dynatechsales.

HVAC contractors are often faced with installations that don't work exactly as designed. In these situations, contractors often change site plans to make the system work.