Massachusetts and Rhode Island HVAC Insurance

If you’re the owner of an HVAC business, large or small, you know the risks your business faces. From potential property loss, to road accidents with your work trucks and other vehicles, or issues with installations, you need to make sure your business is covered.

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Businesses We Insure

If you own a mechanical contracting company, or you’re in charge of its risk management decisions, you have a huge responsibility. With everything else you need to do each day, you probably don’t have time to know all the ins and outs of your business insurance policy. That’s where Lapointe Insurance can help. We are a local family agency, who know’s what it is like to run a business: From managing our staff, to delivering a great product, and continuing to grow, sometimes it feels like there isn’t enough time in the day. When it comes to our clients, our priority is helping them plan for a solid financial future. We have years of experience working with Massachusetts and Rhode Island HVAC contractors, helping them design specialized insurance plans that fit their unique needs.

Massachusetts and Rhode Island HVAC contractors have some unique risks, and each company is different. To make sure you get the right policy for the best possible price, we take the time to listen to your business’ story, learn about your people, and see where your operation’s greatest risks are. We then help design a program that best fits your needs. With over a dozen companies to choose from, we can assure you that we have the right solution.

Coverages we Recommend

  • Commercial Auto Insurance

    Helps pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own vehicle while on company time.

  • Workers Compensation Insurance

    Can help replace workers' lost wages, pay for medical treatment, and protect your business in the long run.

  • Errors and Omissions Insurance

    Protects against customers’ claims for negligent acts, errors or omissions committed during business activities that result in a loss for the client.

  • Property In Transit Insurance

    Protects the valuable equipment you use to perform your contracting services. It can cover losses to goods that occur at your premises, while being transported to or from your premises, or while in storage.

  • Contractors Equipment Coverage

    Protects your valuable tools and machinery against damage while on the job. Common tools include those used in the HVAC industry, such as compressors, pumps, saws and other portable equipment.

  • Equipment Leased or Rented from Others Coverage

    Protects equipment that you have rented or leased for your business, such as forklifts, cranes and backhoes.

  • Employee Dishonesty Coverage

    Helps recover losses from employee theft. Work with your agent to find the right amount of coverage for your business.

Ready to Get Started?

Fill out our form today to get a free quote for business insurance. It only takes a couple minutes! Available to HVAC businesses in MA and RI.