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These establishments sell, install, service and repair heating and air conditioning equipment and systems, including related ducts and piping, plus warm air furnaces and refrigeration equipment and systems. Their clients use heating, air conditioning and refrigeration for residential, commercial and industrial uses.

General Liability Insurance for Air Conditioning & Heating Equipment Stores – Product Liability risks can be a concern for air conditioning and heating equipment stores. Employees should be thoroughly trained in order to adequately make recommendations and suggestions to customers. False recommendations could result in large claims if an air conditioning or heating system is purchased that does not meet the clients’ needs and results in property damage claims. Slip, trip, and fall hazards should be reduced by good housekeeping procedures, including daily vacuuming, sweeping, and/or mopping of floors. Air conditioning and heating equipment and supplies should be secured and displayed safely in order to prevent toppling hazards.

Workers’ Compensation Insurance for Air Conditioning & Heating Equipment Stores – Employees of air conditioning and heating equipment stores should be trained to use proper lifting techniques in order to prevent back injuries. Rolling ladders and stepladders may all be used within the store. Ladders should be appropriate for the job intended and appropriate ladder safety procedures should be used by employees when accessing stock on high shelves. If forklifts and other similar equipment are used to move stock, employees should be adequately trained to operate the equipment.

Business Auto Insurance for Air Conditioning & Heating Equipment Stores – Business auto risks will be greatly increased for air conditioning and heating equipment stores that offer delivery services. Stores that offer delivery services should implement a driver recruitment policy with MVRs run prior to hiring new drivers. Delivery vehicles are at higher risk of an accident due to the amount of time spent on the road. Drivers should be thoroughly trained to properly secure loads and operate the delivery vehicles. Regular inspection and maintenance should be performed for all store vehicles.

Property Insurance for Air Conditioning & Heating Equipment Stores – The refrigeration chemicals used in air conditioning systems will increase fire risks. Air conditioning and heating equipment stores should especially keep all flammable products should be properly stored. Packing materials, boxes, and trash should all be removed on a daily basis to reduce the fire load. A central station alarm system should be installed as part of a security system.

Crime Insurance for Air Conditioning & Heating Equipment Stores – The amount of cash kept in the cash registers should be minimized in order to reduce employee theft and robbery risks. As with most stores, air conditioning and heating equpiment stores should also regularly transfer cash, checks, and credit card receipts to safes until the daily bank deposit is made. Requiring a countersignature on all written checks and dividing the financial responsibilities among separate employees can reduce embezzlement of funds.