According to an online survey produced by LevelFunded Health, a national health insurance agency, 87 percent of small businesses that offer group health care saw health insurance premiums rise by 25 percent since 2014, with 12 percent experiencing premium increases of 50 percent or higher.

Life is full of surprises and not all are happy. Injuries, car accidents, theft, and even natural disasters happen and can destroy office space and property. That’s why insurance is an absolute necessity for HVAC contractors.

Designing proper coverage and having a complete awareness of the direct costs associated with each of these objectives can go a long way toward improving a company’s bottom line.