THE NORTH AMERICAN LEADER IN WARRANTY PLANS FOR HVAC & PLUMBING
IOA's HVAC Risk Program helps contractors reduce injuries, lower workers’ compensation
costs, protect EMR, and improve profitability. Through safety engagement, virtual physician
access, claims advocacy, fleet risk management, and legal protection, we prevent claims
before they happen and aggressively manage those that do—creating measurable EBITDA
impact.
IOA's HVAC Risk Program helps HVAC contractors improve profitability by reducing injuries, lowering workers’ compensation costs, and protecting EMR.
Our integrated approach combines daily safety engagement, virtual physician access at the moment of injury, dedicated claims advocacy, fleet risk management, and legal protection. By preventing claims whenever possible and aggressively managing those that occur, we help create cleaner loss runs, lower premiums, stronger operational performance, and measurable EBITDA improvement—positioning your business for sustainable growth and increased company value.