Question 1

How much does HVAC distributor insurance cost in Alabama?

Accepted Answer

Most Alabama HVAC distributors pay $1,500 to $4,500 per year for a BOP, plus commercial auto for delivery vehicles.

Question 2

Does my insurance cover defective HVAC equipment I distribute?

Accepted Answer

Yes. Product liability within your general liability covers claims from defective equipment you distribute, even if you didn't manufacture it.

Question 3

Do I need inland marine insurance?

Accepted Answer

If you deliver HVAC equipment to contractors and job sites, inland marine covers inventory in transit that your commercial auto may not fully protect.

Question 4

Is workers' comp required for warehouse workers?

Accepted Answer

Alabama requires workers' comp for 5+ employees. Warehouse work involves heavy lifting and equipment operation, making coverage especially important.