HVAC Engineer's
Public Liability insurance
Your cover options
Essentials
Our Essentials package includes Public Liability insurance and cover for Financial Loss.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Financial Loss £100,000
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
Plus
Our most popular option, the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
- Personal Accident cover up to £600 a week per person
Extras
Looking for extra insurances for your building work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
Quality public liability insurance for heating, ventilation and air conditioning engineers
Our refrigeration, ventilation and air conditioning engineers’ insurance policy is designed specifically to cater for smaller HVAC businesses, the self-employed and sole traders. Trade Direct Public Liability Insurance offers cover of £1 million, £2 million and £5 million. As well as this, £10 million of employers’ liability cover for up to 15 direct employees or labour only sub-contractors is also available.
The benefits of HVAC contractors insurance
Air conditioning and ventilation engineers often work in difficult environments. Losing tools, damaging property or physical injury all could damage your business. As part of our insurance, if you choose our Classic or Plus cover, you’ll get 24-hour insurance for £1,000 of tools, which you can increase to £15,000. Plus, you have the option to pay in monthly instalments on Direct Debit.
Who do we cover?
- Sole traders, partnerships, limited companies and limited liability partnerships
- We offer cover for air conditioning installers for domestic and commercial property types – see below for details
- Individuals and small to medium sized businesses specialising in air conditioning installation and maintenance
- Businesses with a turnover up to £3 million
Why us for your HVAC liability insurance?
With Classic and Plus you will benefit from £100,000 of Professional Indemnity insurance. If you select Plus cover, Personal Accident cover is included within your policy – designed to pay a weekly amount if you’re unable to work as a result of an accident at work.
Over 40,000 customers insure their business with Trade Direct, and our product is backed by Zurich – a big name in insurance.
Property types
- Domestic only – cover for private dwellings only.
- Domestic & light commercial – cover for private dwellings, shops, offices, public houses, guest houses, hotels, schools, restaurants and takeaways.
- All property types – all types of properties except work in or on railways, railway installations, watercraft, blast furnaces, chimney shafts, collieries, dams, gas works, mines, power stations, steeples, towers, tunnels, bridges, viaducts, canals, docks, piers, wharves, quarries, chemical works, oil refineries or fuel depots, work in or on aircraft, work in or on airport or aerodrome runways maneuvering areas or aprons or those parts of airports or aerodromes to which aircraft have access.
So, if you’re looking for quality air conditioning installers insurance, click “Get a quote”, or chat to our friendly and knowledgeable team on 0800 0280 380, or find other ways to contact us via our contact us page.
Don’t leave your business to chance – make sure you’re covered with Trade Direct Insurance.
Related content
Public liability insurance FAQs
Got a specific question on public liability insurance? Find out everything you need to know, including what it's designed for, the levels of cover, plus much more.
Professional indemnity insurance FAQs
Need to know more about our professional indemnity insurance? Find out what it is, who it's for and why it's important with our informed FAQs.
Employers' liability insurance FAQs
Are you a small business who employs a number of staff? Find out everything you need to know about employer's liability insurance.
Optional Extensions FAQs
Extensions that are available as part of our Tradesman's Liability product, what they’re designed to cover and when they can be added.
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