Tom Kaldunski has been a commercial lines insurance agent since 2003 and before that spent more than a decade as an HVACR technician. He specializes in designing insurance programs for the HVACR industry. For additional information email tkaldunski@hartinsurance.com."
Insurance is a means to transfer risk away from their balance sheets to those who are in the business of handling risk: insurance companies.
Published: 09.01.20
By Tom Kaldunski
