HVAC Contractors perform a variety of tasks like maintenance and installation.  PBIB offers affordable insurance coverage in San Jose, CA

HVAC Contractor Insurance in San Jose, CA

Backing up your business is essential; protecting your assets is principal. AT PBIB, we can save you up to 40%!

What is General Liability Insurance?

General liability insurance often called business liability insurance and commercial liability insurance provides coverage for your business against claims of:

  • Bodily injury.
  • Property damage.
  • Personal and Advertising injury.
  • Medical expenses.

Why you need General Liability Insurance?

General liability (GL) insurance (also known as small business liability insurance or commercial liability insurance) gives you the peace-of-mind that your business assets are protected against risks or unforeseen events. If a third-party alleges property damage, injury, or bodily harm, you won’t have to worry about your construction business assets being depleted by medical bills, court costs, settlements, or judgements.

In the high-risk construction industry, safety and protection are part of the job. General liability insurance is one way you can protect your business and keep your assets where you want them. You work hard to build your business. General liability insurance works hard to protect it.

This section explains what our Business General Liability Insurance offers. You should consider General Liability Insurance Coverage if you or your employees:

  • Interact with clients face to face – If you visit a client’s place of work, or clients visit yours.
  • Have access to a customer’s property.
    • If a customer’s home or property is damaged, GL could cover the cost to repair or replace it.
  • Are required to have general liability insurance before entering into a contract.
Heat Ventilation

Typical General Liability Coverage for Contractors:

General Liability:

Occurence Limit
Product Completed Ops
Each Occurence Limit

Worker's Compensation:


Commercial Auto:


Tools & Equipment:

Limits (* See note below)

Excess Liability:

Limits (* See note below)
  1. Tools and Equipment limits should be adjusted to the actual value of the tools and equipment owned, leased, or rented by the contractor.
  2. Excess Liability should be considered for exposures to loss that exceed $1,000,000, or contractual requirements dictate the amount of excess liability must be carried.

What is covered?

  • Bodily Injury.
  • Damage to third party property.
  • Advertising injury.
  • Medical expenses.
  • Defence costs (On Covered Claims).
  • Actions of your employees.

What is not covered?

  • Your property injury to you or your employees.
  • Professional services.
  • Workers compensation.
  • Intent to injure.
  • Coverage outside the policy period.
  • Known claims prior to the start of the policy.

General Liability Insurance coverage does vary by Profession, Location and Limits.

The location and business trade plays a factor in the cost of your general liability policy. If you do business in an area where the risk is greater, you may be able to manage your costs by adjusting your limits to reflect your actual need. For example, a roofing company will do higher-risk projects than say a handyman. Quotes will vary by business depending on the trade, the size of the business, the state your business is located in, and the limits/deductibles selected.

Man with a Hat

The Best HVAC Contractor Insurance to get you on the job safely in San Jose, CA

If you're running a contracting service, you most likely currently know how easily things can go wrong. From broken equipment to injured employees, and everything in between, building and construction is a hazardous industry where accidents happen every day. Being so, there are few things more vital to your contracting company than insurance that will cover you totally when hard times fall. So if you're trying to find the best possible license bond in San Jose, CA, you’ve arrived - put your company in the capable hands of Pascal Burke Insurance Brokerage today!

Where Contractors Go to Get Insured!

We are specialist in an array of policies that cover not only general cases but specialty contractors. Check out how we can help you below.

Why us

Many contracting insurance brokers have business diplomas and briefcases - they might understand the stats, however they don't have the facts. When you select Pascal Burke Insurance Brokerage, Inc., you're drawing from decades of experience in the building and construction industry. Having been in the field ourselves, we know your insurance needs like the back of our hands - hands that are still calloused from the work you do everyday. Some things just can't be taught - they must be lived. So, if you want insurance coverage brokers who'll treat your company as they would their own, we're the ones for you. Let's build something.

About us

In 1974, our founder and president Pascal Burke began his career in construction as an architect’s apprentice, but his heart was in building so he joined a large concrete company, building parking structures and sports stadiums, After a few years he began his own construction company specializing in parking structures until 2005, he then joined the board of directors of an insurance company that specialized in contractors general liability. After 4 years, he began Pascal Burke Insurance Brokerage, Inc. Since this beginning we have specialized in contractors’ insurance and are licensed in over 40 states. We truly know contractors from the ground up!

San Jose, is the largest city in Northern California by both population and area. With a 2020 population of 1,013,240, it is the third-most populous city in California (after Los Angeles and San Diego) and the tenth-most populous in the United States. Located in the center of the Santa Clara Valley, on the southern shore of San Francisco Bay, San Jose covers an area of 179.97 sq mi (466.1 km2). San Jose is the county seat of Santa Clara County, the most affluent county in California and one of the most affluent counties in the United States. San Jose is the main component of the San Jose-Sunnyvale-Santa Clara Metropolitan Statistical Area, with an estimated population of around 2 million residents in 2018. It is also the most populous city in both the San Francisco Bay Area and the San Jose-San Francisco-Oakland Combined Statistical Area, which contain 7.7 million and 9.7 million people respectively.