Richmond Hill HVAC Services malfunctions may create a direct professional responsibility for the contractor, supervision of subcontractors, and actual design work performed, specifically when the contractor has a perceived responsibility to comment on design aspects that he knows to be poorly developed.
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While HVAC Contractors are traditional contracting risks, they have become the focus of growing
pollution related claims over the last several years. HVAC system installation, maintenance, and repair
can create pollution conditions such as poor indoor air quality and mold. Daily jobsite operations could
disturb in-place asbestos, lead, or other contaminants. Materials and equipment brought to the jobsite
may spill or leak while in transit or in use during contracting activities.
HVAC Contractors also have professional liability exposures which may not be obvious to the insured
since contracting is the main focus. E&O claims could arise from: (1) jobsite modifications in which
Richmond Hill HVAC Services malfunctions may create a direct professional responsibility for the
contractor, (2) supervision of subcontractors, and (3) actual design work performed, specifically when
the contractor has a perceived responsibility to comment on design aspects that he knows to be poorly
The exposures described above are usually excluded from General Liability policies, so it is important for
HVAC contractors to have comprehensive coverage that will protect them from potential claims and thus
help secure the future of their businesses. Beacon Hill's programs division, PartnerOne Environmental,
has a number of products that can effectively address the coverage needs of this class of business:
Contractors Pollution Liability insurance (CPL) is coverage designed to protect from third party claims for
damages caused by "Pollution Conditions" arising from the insured's covered operations. This coverage is
applicable to all types of tank contractors and is important because these pollution claims may not be
covered via the General Liability form.
The Contractors Pollution policy provides coverage to general contractors, construction managers, and
various trade contractors who could potentially have both Pollution and Professional claims; Contractors
Pollution Liability provides coverage for Professional exposures for contractors. This coverage is
important because these professional exposures are generally excluded from General Liability and
monocline Contractors Pollution Liability policies.
HVAC contractors are often presented with installations that do not work exactly as planned. In these
Ajax HVAC Services situations, contractors will often tweak the plan at the site to make the system work.
Pollution conditions arising from these changes create a direct professional responsibility for the
Many firms provide true design services as part of their corporate profile. This can range from doing all
of the design work for the project, doing some design work relative to an aspect of the HVAC system, or
simply having a perceived responsibility to comment on design aspects they know to be poorly thought
out. The last element is the most difficult to control and manage for HVAC firms.
10 Milner Business Ct #300, Scarborough, On M1b 3c6
(647) 978 1416