Why do you need HVAC contractors insurance?

HVAC contractors insurance, including heating engineer insurance, gas engineer insurance and ventilation and air conditioning engineer insurance, requires a specialist cover that reflects the associated risks. With over 12 years’ experience of dealing with HVAC insurance for contractors, we understand you and your business.

  • Risk Management
    As a highly trained HVAC contractor you need to manage a number of likely risks. Having a broker who can help minimise your exposure and advise on how to manage these risks can put you in a very positive position with insurers.
  • Market leading cover
    HVAC insurance requires expertise and a broker that understands the types of cover your business requires. We can provide a market leading product with a leading insurer, that ensures your insurance requirements are taken care of.
  • Advice when it counts
    We understand that accidents happen, and that if you need to claim it pays to know that your claims service will be second to none, and as painless a process as possible.

How can our contractors insurance team help?

HVAC Contractors are naturally exposed to a number of risks whether that’s potential damage to client’s property or working from height. We have worked with a leading insurer to provide you with the most appropriate and effective cover available. Details on the risks faced by you or your business, and what we cover, are shown below.

Electrical contractors

If you are an electrical contractor, you'll require specialist insurance cover that reflects your risks. We can provide you with market leading cover and the expertise you require.

What does HVAC contractors insurance include?

  • Public Liability
    Provides cover for limits of £2Million or £5Million, protecting you in case your activities injure a client, contractor or member of the public, plus damage to third party property, including to the item being worked upon. This also includes financial loss, inefficacy cover, loss of customers keys, criminal acts of employees and misuse of customers phones.
  • Employer's Liability
    Cover for your employees and labour only sub-contractors in respect of injury, disease or death whilst under your employment, with no need to declare employee numbers.
  • Professional Indemnity cover
    We give this cover automatically within the policy, protecting you in the event of professional errors or omissions of up to £500,000, with the ability to increase on request.
  • 24/7 tools cover
    This includes whilst kept in unattended vehicles, as long as tools are kept out of sight.
  • Hired in plant
    This covers legal liability for hired-in-plant.
  • Own tools, plant and equipment
    Portable electronic equipment, and portable tools cover covered on a new for old basis with overnight cover. Usually with no minimum security or alarm warranty.
  • Legal expenses
    Provides legal protection and a legal helpline, limit of up to £100,000
  • Additional features
    • Interest payment by direct debit
    • No automatic height limit applied to the policy
    • A simple renewal process

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 particular 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.