There is, perhaps, no more attention-getting word in the entire English language than “oooops!”  Now, that can make one laugh, as when we hear Will Smith say it when he is trying to “blast off” with the Alien space ship in INDEPENDENCE DAY.  It is not quite so funny, however, if a brain surgeon were to utter it!  While nowhere near as devastating as hearing it from your surgeon, “ooooops” can also be pretty upsetting if an artisan utters it as your entire living room is being flooded by a misplaced water pipe!

“When damage occurs due to an expensive mistake made by you or one of your employees,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared somewhat solemnly, “someone is going to have to pay for it.  And, if the mistake is big enough and your company small enough, that ‘ooooops’ can be pretty devastating for you and your company if you are not properly insured.”

Nor are HVAC experts the only ones at risk.  Other businesses who should really be considering E & O Insurance include, but are not limited to:

  •  Printers
  •  Electrician
  •  Plumbers
  •  Sheet Metal Workers

“The good thing about E & O Insurance,” Bivona added, “is that it covers the business owner, salaried and hourly employees, and even sub-contractors.”The question is, “what” does it cover? And the list is quite extensive, including, but not limited to:

  •   Defense Cost
  •  Alleged/Actual Negligence
  •  Personal Injury
  •  Claims and Damages

As you can see,  YOUR PEORIA, ARIZONA HVAC BUSINESS AND ERRORS & OMISSIONS INSURANCE  certainly is NOT something you want to ignore if you are, in fact, intent on making sure your company, you and your family are adequately and completely protected!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve our business coverage.

(To learn more about this issue, check out “Error & Omissions Ins.”)

To learn more about the BIVONA INSURANCE GROUP, LLC go to