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These businesses manufacture residential or commercial air conditioning and/or heating units and systems, including ducts and piping. They typically operate assembly plants where manufacturing of the equipment takes place, which may include the use of industrial cranes. Equipment may be customized for specific customers. Air conditioning and heating equipment may be manufactured along with refrigeration equipment.

General Liability Insurance for Air Conditioning Equipment Manufacturing – Public access is normally limited for air conditioning equipment manufacturers unless tours are provided. Any visitors should be escorted by an employee and required to wear protective equipment. Outside delivery personnel and service contractors are also at risk of injury while on the premises. Shipping and receiving areas should be safe at all times and the premises should be free from trip and fall hazards. Products liability risks can be substantial and depend whether the air conditioning units are built for commercial or residential use. Products liability can be based on defective product design, failure to follow specifications in manufacturing process, and defective product instructions. Carbon monoxide poisoning can occur from the use of gas powered air conditioning units. Electrical units that use 220 volts of electricity can pose a fire hazard. All air conditioning units should be labeled with proper usage instructions and warning labels. The customization of commercial air conditioning units also increases the risk of products liability. The risk depends on the type of business purchasing the units. The use of refrigerants and other chemicals should be controlled in order to prevent environmental pollution.

Workers’ Compensation Insurance for Air Conditioning Equipment Manufacturing – Employees who operate cranes, forklifts, and other machinery should be trained extensively on the proper use and safety of the equipment. The manufacturer must label every bag, box, barrel, and bundle of hazardous chemicals so they can be matched to the corresponding MSDS. Safety training should also be provided regarding the chemicals used in air conditioning equipment. Eye wash stations should be available and easily accessible by employees. Personal protective equipment such as steel toe shoes, hard hats, and goggles should be worn in hazardous areas. Appropriate safety measures should be taken when testing for carbon monoxide leakage. Proper lifting techniques should also be taught in order to avoid injury to employees.

Business Auto Insurance for Air Conditioning Equipment Manufacturing – Air Conditioning Equipment Manufacturers that deliver their own products will have much greater liability risks than manufacturers that hire transport companies. Delivery drivers may be required to have a commercial drivers license and random drug testing. Drivers must be screened and have acceptable driving records in addition to regular MVR checks. Risks are increased based on the radius of delivery and the time spent on the road. Vehicles must be inspected and serviced regularly with documentation on file. Vehicles must remain in good working order at all times.

Property Insurance for Air Conditioning Equipment Manufacturing – Any welding and spray-painting operations done for air conditioning equipment manufacturing will contribute to the risk of fire. All flammable materials should be stored in drums that are located in a drum storage room, safety cabinets, or outside. If a safety cabinet is used, it should be approved and properly grounded. Only the smallest amounts of flammable liquids that are needed should be removed from the drums and transferred to an approved safety container. Computer systems are very susceptible to damage by fire, water, and smoke. Smoke detectors and fire extinguishing systems should be in place as a result. Lifting equipment should be inspected on a regular basis to prevent overheating and fire hazards.

Crime Insurance for Air Conditioning Equipment Manufacturing – In order to prevent employee theft, inventory should be counted on a regular basis and when unexpected by employees of air conditioning equipment manufacturing.  The risk of electronic theft by outsiders can be reduced by the use of anti-virus software, firewalls, encryption, SSL, and passwords that combine numbers and upper and lower case letters.