Mechanical Contractor Insurance

Coverage for Mechanical Contractors

Keep your projects on track and your business protected with mechanical contractor insurance.

Why mechanical contractors need dedicated insurance

Mechanical contractors play a critical role in building projects, from design and installation to maintenance and repair. Your work is essential, and so is protecting your business with insurance designed specifically for your industry.

Insurance designed for your unique business

A business owners insurance policy (BOP) often serves as the foundation for mechanical contractor insurance. This typically includes:

  • General liability insurance – Protects against bodily injury or property damage caused by your business, and may cover legal defense costs.

  • Commercial property insurance – Covers offices, workshops, storage spaces, equipment, tools, and supplies essential to your operation.

Additional liability protection - just in case

Even with the best practices, mistakes can happen. Errors and omissions liability insurance (E&O), also called professional liability, helps cover claims that allege mistakes or errors in your work. This coverage may pay for attorney fees, court costs, and damages awarded.

Insurance for a business on the move

Mechanical contractors frequently move between job sites. Business auto insurance protects your company vehicles and may cover bodily injury or property damage if an accident occurs. Consider hired and non-owned auto insurance if employees use personal vehicles or if you occasionally rent larger trucks or vans.

Protection for tools, equipment, and supplies

Mechanical contractors rely on specialized tools, machinery, and supplies that often travel between storage and job sites. Inland marine insurance helps cover loss, theft, or damage to these items while in transit, ensuring your operations can continue smoothly.

Coverage for work after completion

Completed operations insurance safeguards your business even after a project ends. It may cover claims of negligence, property damage, or breach of contract arising from completed work. Attorney fees, court costs, and awarded damages are generally included. This coverage is often part of a general liability policy, but it’s important to confirm.

Understanding insurance costs for mechanical contractors

Premiums may vary depending on factors like the size of your operation, number of employees, type of equipment and vehicles, project types, and your location.

Risks associated with the business side of operations

Mechanical contractors are still running a business. Some coverages common across industries are essential, including:

  • Workers’ compensation insurance – Required in most locations, especially important due to the physical nature of mechanical contracting work.

  • Cyber liability insurance – Provides protection in case of a data breach or cyber attack.

Protect your mechanical contracting business

Your work is critical to the success of each project you take on. The right mechanical contractor insurance plan can safeguard your business, employees, and tools so you can focus on doing what you do best.

Contact us today to discuss coverage options tailored for your business.

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