
Episode #197
You're Not Buying Insurance—You're Protecting Everything You've Built with Michael Senderovich
You're Not Buying Insurance—You're Protecting Everything You've Built with Michael Senderovich ️ HVAC R&D Podcast — Episode 197 A cheap insurance policy isn't cheap when you discover it doesn't cover you. In Episode 197 of the HVAC R&D Podcast, Rhydon Atzenhoffer sits down with Michael M. Senderovich, MBA, Founder & CEO of Six-Thirteen Business Insurance Solutions, to talk about something every contractor needs but far too few truly understand: protecting the business you've sacrificed to build. Since founding his brokerage in 2013, Michael has helped small business owners move beyond simply buying insurance to understanding their actual risks, coverage gaps, and what happens when the unexpected becomes reality. Together, Rhydon and Michael dig into the mistakes contractors make when choosing coverage, the danger of shopping on price alone, and why a great insurance broker should be one of your most trusted business advisors—not someone who simply renews your policy every year. Because as your company adds employees, trucks, technology, services, and revenue, the risks you're carrying change too. In this episode, we cover: • What contractors misunderstand about insurance • The danger of buying coverage online • Common coverage gaps that can devastate a business • Cheapest policy vs. the right policy • How often your coverage should be reviewed • How growth changes your risk • Cyber threats, AI & emerging business exposures • How to know if your broker is actually serving you • Protecting your business beyond insurance Whether you're running one truck or building a multi-million-dollar operation, you've worked too hard to discover after a loss that you weren't protected the way you thought you were. Listen now and subscribe so you never miss a drop. The HVAC R&D Podcast is the Voice of Distribution, Contractors, and the #TradeCrew. #HVAC #BusinessInsurance #RiskManagement #Contractors Thanks to our partners: DiversiTech Corporation • DRAIN IV • FieldMind • LiveSwitch • ProIAQ • RLS Rapid Locking System • True Nature Meats Co.

