Is Your Business AC Covered by Insurance? What Owners Need to Know

Transcript:

0:01
Intro Music
0:13
What would happen if your business's air conditioner suddenly stopped working in Florida? That's not just uncomfortable.
0:20
It can mean lost customers, stressed employees, and in some cases, even spoiled products, or forced closures.
0:29
And here's something many business owners don't realize. Most standard property policies don't cover mechanical breakdowns.
0:36
If your AC fails due to a surge, motor burnout, or compressor issue, you're likely paying out of pocket.
0:44
Unless you have equipment breakdown coverage.
0:49
Whether you or your landlord is responsible for the HVAC system usually depends on your lease. In some cases, the building owner handles it, but in many Florida leases, especially triple net agreements, it's the tenants' responsibility to maintain and even replace the unit if it fails.
1:06
That's why it's so important to know what your lease says and to carry the right coverage if the AC is on you.
1:15
Equipment breakdown coverage helps pay for repairs or replacements of critical systems like HVAC, refrigeration, and electrical panels. It can even cover lost income if a breakdown interrupts your operations.
1:27
At Sterling Meadows Insurance Agency, we help Florida business owners protect what matters, including what keeps you cool, comfortable, and open for business.