Plumbing and HVAC Insurance

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Plumbing and HVAC Insurance for Small Businesses

Whether you're a gas engineer, a heating and ventilation contractor or a plumber, you need the right level of insurance to protect your business. As a professional tradesperson, you need the right tradesperson insurance package to protect you from the hazards you mightface in your work.

The right plumbing and heating insurance package can help protect you against risks related to the everyday activities of your trade. As such, it’s an important consideration for HVAC contractors, engineers and plumbers to have the right insurance in place before starting the next job.

There are many elements to a heating contractor insurance policy that you need to look at when making a purchase. Tradesperson public liability insurance cover can help cover costs associated with third party damage.

In addition, employers' liability cover can help to protect your business against compensation claims due to injury to your employees, while tools and contents cover can help to protect against risks such as lost, stolen or damaged equipment.

Speak with us today to learn more about the right tradesperson cover for your business needs.

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Frequently Asked Questions about Plumbing and HVAC Insurance

What insurance should a tradesperson have?

As a tradesperson, you need insurance that can cover you for a wide range of risks. A tradesman insurance policy features the following cover options:


  • Tradesman public liability insurance can cover you for claims made against you for compensation due to injury or property damage resulting from your work.

  • Employers’ liability insurance can protect you against compensation claims if your employees are injured while working for you.

  • Contract works cover can help protect partly completed works from damage, such as fire or theft, or accidental mishaps.

  • Tools cover can protect against risks such as loss, theft or damage.

  • Contents insurance can help to cover unforeseen costs to replace business contents and equipment that is lost, stolen or damaged.

  • Stock cover can help protect the materials you store and use in your trade, such as paint, wood, metal or tiles, if they are lost or damaged.

Does a tradesperson need public liability insurance?

Whether you're a gas engineer, a heating and ventilation engineer or a plumber, you’ll need to work in public places. During your work, you might accidentally cause injury to a member of the public or damage someone else’s property. With public liability insurance for plumbing and heating engineers, you can protect yourself from being left out of pocket should you be liable for costs of damages and compensation claims.


The level of tradesperson public liability insurance you need will depend on factors such as the type of work you do, the size of your business and the level of risk in your business activities. The higher the risk, the greater the premium you might need to pay. Speak with us to find out what level of public liability insurance for plumbing and heating engineers works best for your business needs.

What is contract works cover?

HVAC contractors, engineers and plumbers all know that not every job will go according to plan. Sometimes things happen that are beyond anyone's control, such as flooding from storms or an accidental gas leak that causes fire.


Contract works cover can help ensure you have sufficient cover should your part-completed works be accidentally damaged by an insured event such as fire, storm or theft. Speak with us to find out more about how contract works cover can protect your business.

What does tools insurance cover?

Every tradesperson needs their tools in order to carry out heating and gas work. If those tools go missing or are stolen, a tradesperson will be unable to do their job. As such, one of the most important parts of tradesperson insurance is tools insurance which can protect against risks such as loss, theft or damage.


In addition, contents insurance can help cover you for the cost of repairing or replacing your business equipment. It can cover office equipment such as mobile phones, computers and other equipment you use for your job. Talk to us to find out how business insurance can help cover your equipment.

What is stock cover?

While tools and equipment are important to any tradesperson, so are the materials they need to finish the work. These materials can include tiles, paint, wood and other stock items used to complete engineering and plumbing jobs.


Stock cover can help make sure that you won’t be left out of pocket should materials be stolen or go missing. It can also cover your materials on-site or in transit.

Do you need customised business insurance for your company?

Or speak to us for advice and recommendations customised to your business needs.

0330 054 5244
The Aon Centre

The Leadenhall Building, 122 Leadenhall Street

London EC3V 4AN