We're here to help with HVAC contractors insurance

We know your work can leave you exposed to a range of risks that may also impact your clients, staff or subcontractors and the general public. You need cover that protects your business against these risks and provides reassurance to your clients. Because we understand the day-to-day risks and unique challenges you face, we here to support you by offering:

  • Protection for:
    injuries suffered by a client, contractor or member of 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*
    tools and equipment that you own, as well as those you hire in or loan out.
  • Bespoke cover – whether you're a sole trader or manage a team of contractors, our insurance for HVAC contractors is designed around you. You'll only pay for the cover you need.
  • Professional risk management advice – we'll help to identify your key exposures to risk and how they can be reduced. We're here to arrange the right HVAC contractor insurance that will protect you against these risks.
  • Saving you time – leave the hard work to us; we'll search our selection of the UK's leading and specialist insurers to find the provider that suits you best.
  • Dedicated support – throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We'll also support you if you need to make a claim.

*No need to declare employee numbers


How our team of HVAC contractors insurance experts can help you

At Marsh Commercial, we have over 28,000 contractors who have chosen us to manage their insurance needs. That's almost £130m in gross written premium (GWP); you're in good company.

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. 

You wouldn't think of starting a job without the right equipment. Arranging insurance for your business is no different, so it pays to speak to our professionals – we're here to help you. 

We take time to understand your needs to arrange the HVAC contractor(s) insurance that's right for you. So can focus on your business.

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.