Commercial Auto Insurance for HVAC and Plumbing Companies

For many HVAC and plumbing businesses in Louisiana, commercial auto insurance is a crucial component in managing risk and controlling costs. This policy may provide financial protection against collisions, property damage and liability claims. Without it, accidents can result in expensive repairs, legal costs or delays that disrupt your schedule.

What Does Commercial Auto Insurance Cover?

Commercial auto policies can be customized to meet the specific needs of HVAC and plumbing contractors in Louisiana. Your agent may recommend the following:

• Liability coverage may compensate for third-party claims of bodily injury or property damage if your company driver is found responsible for an accident.
• Collision coverage may pay for your vehicle’s repair or replacement expenses after a crash.
• Comprehensive coverage may provide financial support if your vehicle is stolen or damaged in a non-collision incident, such as fire or vandalism.
• Uninsured or underinsured motorist coverage may apply when another driver, who does not carry enough insurance, causes an accident involving your company vehicles.
• Hired and non-owned auto coverage may cover employees who use rented vehicles or personal vehicles for work-related tasks.

Who Needs This Policy?

Any HVAC or plumbing company that has vehicles used for business purposes in Louisiana should carry commercial auto insurance. This includes vans, trucks, service vehicles and personal vehicles driven for work tasks. Louisiana regulations may also require certain minimum coverage levels. An agent from Harlan Insurance can discuss this further and assist in reviewing your policy.

Insure Your Vehicles Today

Harlan Insurance works with Louisiana HVAC and plumbing companies to help them evaluate vehicle-related risks and understand available coverage. Contact us today to review your commercial auto insurance or explore your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.