Tradesman and HVAC Insurance

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.

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.

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.

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.

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.