We're here to help with HVAC contractors insurance

You wouldn't think of starting a job without the right equipment. Arranging insurance for your business is no different. It pays to speak to our professionals and that's why we're here to help you. 

Your work can leave you exposed to a range of risks. We understand the day-to-day risks and unique challenges you face, and we can help you find HBAC contractors insurance.

  • Your work and tools, covered: injuries suffered by clients, contractors or the public as a result of your work; damage to third party property, including financial loss, inefficacy cover, loss of customers' keys, criminal acts of employees and misuse of customers' phones; injury, disease or death of an employee or sub-contractors whilst working for you;* and tools and equipment that you own, as well as those you hire in or loan out.
  • Bespoke cover – from sole traders to managers of teams of contractors, our insurance for HVAC contractors is designed around you.
  • Professional support – our expert team are on hand to answer any questions you have, resolve issues you encounter, and with any claims that arise.

*No need to declare employee numbers

How our team of HVAC contractors insurance experts can help you

At Marsh Commercial, we're part of a global group with a local community focus. Our team of experts have years of experience supporting tradesmen and contractors like you. 

We take time to understand your needs to arrange the HVAC contractor insurance that's right for you.

What can HVAC contractors insurance offer?

  • public liability – limits of £2m or £5m
  • employers liability
  • professional indemnity cover included as standard up to £500,000**
  • 24/7 tools cover
  • hired in plant
  • tools, plant and equipment including portable electronic equipment and portable tools*** 
  • legal expenses.

Additional features can include:

  • interest payment by direct debit
  • no automatic height limit applied to the policy
  • simple renewal process.

**with the ability to increase on request. 
***covered on a new for old basis with overnight cover, usually with no minimum security or alarm warranty.


Electrical contractors insurance

As a specialist electrical contractor, we know that you face risks that may also affect your staff, subcontractors, and the general public. You need electrical insurance cover that gives adequate protection against these risks.

Fire safety and security contractors insurance

As a fire safety consultant installing smoke alarms or emergency lighting, or a security contractor setting up CCTV, or nurse and warden call systems, the nature of your work can leave you, your staff, subcontractors, and the general public open to risks. You need flexible, specialist fire and safety contractors insurance or security insurance to protect yourself – and your business. 

Tradesman insurance

We know the nature of your work can present many risks to you, your staff or subcontractors and the general public. You need cover that gives adequate protection against these risks and reassurance for your clients.

Frequently asked questions

What does HVAC insurance cost?
The cost of cover will vary depending on your business requirements, turnover and the particular trade you undertake. Simply give us a call and let us provide you with an accurate quotation based on your specific needs.
What trades does HVAC insurance include?
We can provide cover for heating engineers, gas engineers, ventilation engineers, air conditioning engineers and refrigeration engineers. If you are unsure, then please do get in touch.
What kind of insurance do I need for an HVAC business?
Because your work is so varied, you face many different daily risks and challenges. It's important to protect yourself against these risks by having the right insurance in place. If your tools or equipment are damaged or stolen, you would have to pay to repair or replace them without insurance. This could potentially be a significant cost to your business. Your tools could also pose a hazard to members of the public. As an HVAC contractor, you should have HVAC contractor liability insurance in place to protect against risks that may cause injury to the public or your customers. If you employ staff, you're legally required to have employers liability insurance. Professional indemnity insurance will cover any legal costs and damages that you could be liable for should you or your business make a mistake.