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Expert Utah HVAC Contractor Insurance from The Allen Thomas Group
Utah’s booming HVAC industry employs 5,620 contractors. Growth? 34% projected. But here’s the catch – every contractor needs proper insurance to maintain their S350 license through DOPL.
The Allen Thomas Group makes this simple. We’ve spent 20+ years serving contractors across 20+ states. Utah included.
We know the requirements. $100,000 per incident. $300,000 total general liability coverage. DOPL as certificate holder. Skip the confusion. Get the right coverage.
Protect your business and keep your license current.
Contact us for a Free Quote Today!
Utah HVAC Licensing Insurance Requirements
Utah’s Division of Occupational and Professional Licensing sets clear rules. S350 HVAC contractors must carry specific insurance. No exceptions.
Here’s what you need:
General liability insurance with minimum coverage of:
- $100,000 per incident
- $300,000 aggregate total
- DOPL listed as certificate holder
Employees? You need more. Workers compensation insurance is mandatory with DOPL as certificate holder. Plus coverage through Utah Labor Commission approved carrier. Plus state withholding tax registration. Plus unemployment registration requirements.
Before licensing, complete your 25-hour pre-license course. Simple enough. But without proper insurance certificates? DOPL won’t issue your contractor license. Period.
Utah’s 34% HVAC job growth creates opportunities. But only for properly licensed contractors. Only for properly insured businesses.
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Complete Insurance Protection for Utah HVAC Businesses
Smart Utah HVAC contractors think beyond DOPL minimums. They protect their entire business. They choose comprehensive coverage.
Essential Coverage Types:
- General Liability Insurance – Property damage and bodily injury protection
- Workers Compensation Insurance – Medical costs and wage replacement
- Commercial Auto Insurance – Vehicle and equipment transport coverage
- Professional Liability Insurance – Workmanship and installation error protection
- Tools & Equipment Insurance – Theft and damage coverage for expensive equipment
- Business Property Insurance – Shop, office, and inventory protection
Each coverage protects different risks. Picture this: your technician damages customer flooring during furnace installation. General liability covers repair costs. Same technician injures their back lifting equipment? Workers compensation handles medical bills and lost wages. Different problems. Different solutions. Complete protection.
Smart & Easy Insurance Solutions for Utah HVAC Contractors
Utah HVAC contractors choose us for good reason. We make insurance smart and easy.
- 20+ years simplifying insurance for contractors
- Multi-state expertise serving 20+ states including Utah
- Personalized service building real relationships
- Local knowledge with national carrier connections
- DOPL compliance expertise handling requirements correctly
We save you time. No DOPL paperwork headaches. No certificate confusion. We save you money through competitive rates and proper coverage matching. No gaps. No overpaying.
Our Akron team specializes in contractors. Not generic business insurance. Just contractor protection that works.
Protecting Your Utah HVAC Business from Common Risks
Utah HVAC contractors face real risks. Unique risks. Some you might not expect.
- Customer flooring, walls, ceilings damaged during installations
- Water damage from refrigerant leaks
- Fire damage from electrical work
Injuries from heavy equipment. Falls from ladders, rooftops, attics. Cuts, burns, electrical injuries during repairs.
- Earthquake exposure on active fault lines
- Equipment theft during outdoor recreation seasons
- Seasonal demand swings affecting cash flow
Installation errors cause system failures. Improper refrigerant handling creates violations. Code compliance issues during inspections.
Each risk needs specific coverage. General liability handles property damage. Workers compensation covers employee injuries. Professional liability protects against workmanship disputes.
Smart contractors don’t wait. They get coverage first. They protect everything.
Tailored Insurance Solutions Built For Your Utah HVAC Business
We know how frustrating and complex the process of finding the right HVAC business insurance can be and how it can be difficult to get a certificate of insurance quickly.
Let us help craft a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Get Expert Utah HVAC Contractor Insurance Today
Don’t risk your business. The Allen Thomas Group’s 20+ years of contractor insurance expertise ensures DOPL compliance.
Complete business protection.
Contact our Independent Insurance Agents by calling (440) 826-3676 today for your free consultation and competitive quote.
Get More Insights On Making The Right Insurance Decision For Your Company
What insurance is required for Utah HVAC contractors?
Utah DOPL has requirements. S350 HVAC contractors need $100,000 per incident and $300,000 total general liability. DOPL as certificate holder. Employees? Workers compensation is mandatory with DOPL listed as certificate holder.
How much does HVAC contractor insurance cost in Utah?
Costs vary. Business size matters. Coverage limits matter. Claims history matters most. General liability averages $78 monthly nationally, but your rates depend on specific risks. The Allen Thomas Group provides personalized quotes from 20+ years of carrier relationships. Competitive pricing guaranteed.
How do I get started with Utah HVAC contractor insurance?
Simple process. Contact The Allen Thomas Group for free consultation. We review DOPL requirements. We assess your risks. We provide customized quotes within 24-48 hours. Our experts handle DOPL paperwork. All certificate requirements covered.
Can Allen Thomas Group help with DOPL insurance requirements?
We specialize in Utah contractor insurance. We know DOPL inside and out. 20+ years serving contractors across multiple states means we ensure your certificates meet S350 standards. Every renewal deadline. Every time.
Do I need earthquake coverage for my Utah HVAC business?
Not legally required. Highly recommended though. The Wasatch Fault poses significant seismic risks to Utah businesses. Standard policies exclude earthquake damage. We assess your exposure. We recommend appropriate protection. Complete coverage consultation included.
Locations We Serve Utah HVAC Contractors In
American Fork
Bountiful
Cedar City
Clearfield
Clinton
Cottonwood Heights
Draper
Eagle Mountain
Farmington
Herriman
Holladay
Kaysville
Kearns
Layton
Lehi
Logan
Magna
Midvale
Millcreek
Murray
North Ogden
North Salt Lake
Ogden
Orem
Payson
Pleasant Grove
Provo
Riverton
Roy
Salt Lake City
Sandy
Saratoga Springs
South Jordan
South Salt Lake
Spanish Fork
Springville
St. George
Syracuse
Taylorsville
Tooele
Washington
West Jordan
West Valley City
