Businesses that install and service plumbing, heating, and air-conditioning systems (U.S. Census NAICS 238220). This covers everything from a solo plumber to a multi-truck HVAC company.
U.S. Census NAICS 238220: Plumbing, Heating, and Air-Conditioning Contractors
What can go wrong for plumbing and HVAC businesses?
- Water damage or a botched install that damages a client's property.
- A crew member hurt on a job site.
- Expensive tools and equipment stolen from a truck or job site.
What insurance does a plumbing or HVAC business need?
Plumbing and HVAC businesses typically carry general liability for property damage and injury claims, workers compensation once they cross Georgia's employee threshold, commercial auto for service vans, and inland marine (tools and equipment) coverage that follows gear between job sites, which a fixed-address property policy usually will not cover. Many general contractors also require a minimum liability limit before they will hire a sub.
What does Georgia require?
Georgia requires workers compensation once a business regularly employs three or more people, including owners and officers counted toward that total (Georgia State Board of Workers Compensation, O.C.G.A. Sec. 34-9-2(a)(2)). Contractor licensing boards also commonly require proof of general liability.
Source: Georgia State Board of Workers Compensation (O.C.G.A. Sec. 34-9-2(a)(2)).
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