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What sort of liability insurance does one need for a sole-proprietor HVAC Repair business?

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(CGL) Commercial General Liability The type of insurance you need is called "Commercial General Liability" also sometimes referred to as "Contractors Liability Insurance"

As an Sole Proprietor providing a repair service you are considered to be engaged in a commercial activity. This type of repair usually comes as a service or repair contract, hence the contractor reference

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Answer A local Insurance Broker is the best way to find business insurance. They are not a captive agent like Farmers, State Farm and Allstate. They have the ability to shop the market to get you the best rate.
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