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A Brief History of HVAC and Insurance

It might be interesting to take a quick look at just how these two major industries began.

Heating, Venting And Air Conditioning Or HVAC

Heating, venting and air conditioning are very closely related, as you know. Room air distribution is how air is delivered to and removed from spaces and cities in the Roman Empire began doing that with central heating systems. The system was called hypocaust and moved air heated by furnaces through empty spaces under floors and out of pipes in the walls.

In Sweden around 1716, water was first used to distribute heat in buildings.

It was the Industrial Revolution at the end of the 19th and beginning of the 20th century when the HVAC systems really began to evolve. The first fan coil dehumidifying, air conditioning and centrifugal fan heating systems were developed then.

HVAC Contractor Insurance

The process of transferring risk in return for a payment of money also began long ago. In fact, insurance was first noted in 1750 BC involving sailing merchants. In addition to a merchant getting a loan to fund his shipment, he would pay the lender an additional sum in return for the lender's guarantee that the loan would be cancelled if the shipment got stolen.

It wasn't until the 14th century, however, that insurance contracts were established separately (without being combined with loans or other types of contracts) in marine insurance. (Marine insurance refers to loss or damage to ships, cargo, etc. by which property was transferred. That's the genesis of the term inland marine which refers to the same transport risk but over land.)

The Great 1666 Fire of London which destroyed 13,200 houses resulted in insurance as we know it today. After this tragedy, England's first fire insurance company was formed to insure frame and brick homes.

Use USA Insurance for your HVAC Company

It was inevitable that the risks inherent in HVAC operations and the transfer of that risk to insurance companies would meet. Today, there is a smorgasbord of insurance coverage you can purchase to help protect your business. You need to find the best coverage at the most affordable price with the best company. This is precisely what USA Business Insurance will help you do.

The current insurance package offered is customized to HVAC contractors. General liability, workers compensation, commercial auto, tools, protection while in transit and property liability are just a few of the insurance coverages you can get. Contact us today for a free no-obligation quote tailored to protect your HVAC business.

Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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