Coverage type
Accident & Disability Riders
Accident insurance, hospital indemnity, and short-term disability built around HVAC-specific injury patterns. Pre-screened for trade-relevant exclusions.
What's covered
- Accident cash benefits
- Hospital indemnity per night
- Short-term disability (40–70% income)
- ER & ambulance riders
Who it fits
- 1099 techs without workers' comp
- Owner-operators
- Anyone on a high-deductible health plan
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