"As a client if you have suffered any bodily harm and injury or property damage due to repair or installation project of the HVAC by a contractor, you can raise a claim to cover your damages from the company. If the company has liability insurance, it will cover the damage suffered by you. If there is a court trial due to the insurance will also cover the litigation-expenses of the HVAC Company. Liability insurance renders a certain level of assurance to a HVAC company. It allows them to carry out daily work with a confidence that the employees are protected from a deep fear of uncertainty. Liability coverage protects a HVAC business against claims brought against the company as a whole, as well as a individual technicians under the company’s payroll. It gives them a reassurance that business will have the necessary funds to continue daily operations — even when faced with a costly claim. "