The process of storing goods or any item below normal temperature by keeping them in individually designed equipment like refrigerators or freezers to cool and delayed the decaying process is called refrigeration. These systems use a refrigerant chemical to keep away the heat energy in an item and keeping them fresh.
Refrigeration contractors are the one responsible for installing the refrigeration system for any establishments. They start the assembling, installing servicing and repairing from homes to any commercial facilities. They do follow plans on installing parts, mounting brackets, drill holes and thread piping and continuous on the installation process until done and tested.
Since this type of job needs to be physically fit to perform its duties and responsibilities, the hazards are possible to happen. In protecting the workers from losing some of their wages if an accident occurs, the company from being bankrupt for paying the damages and any third party involved, insurance can answer all the cost without being losing investments in the business.
The Types of Insurance Ideal for Refrigeration Contractor
The impacts of purchasing insurance have been influencing companies to provide them as a protection from any loss in the business. Any businessman doesn’t want to lose what they invested just because they were not getting the right insurance to protect them.
Below is the list of policies that is suitable for refrigeration contractor.
Professional indemnity insurance. This is a protection for the contractor if in case he made a mistake or damage to a client that the latter lose money. Your professional indemnity insurance will provide the damage cost claims by the client if in case there is a malfunction in the refrigeration system the contractor installed.
Employers’ liability insurance. This is instructed by the state law that every refrigeration contractor must have this type of insurance before starting the business if they have employees working with them. If an occupational endanger or illness had caused any employee in which they use the company, this would pay off the claims.
Public liability insurance. If any public sues the company for being injured or damage his property caused by the nature of the business, this will cover the compensation claims and legal fees.
There is more insurance available for the refrigeration contractor they can purchase for their additional protection like general contractor’s liability, worker’s compensation, auto insurance and more depending on what type they need most and on what kind of policy does the state required.
The client should also check if their chosen contractor does comply with the state's requirements in doing their business. It will help them make at ease that the project is in good hands and good quality.
Any customer, who needs the expertise of refrigeration contractor, should check that the contractor should at least carry three types of insurance with them. Clients are more likely to hire a contractor with insurance as a means of protection against loss. Be protected by the guarantee.