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Business Insurance For HVAC Contractors

Heating and A/C contractors, also called HVAC contractors, provide services, as the name implies, relating to heating and air conditioning. HVAC contractors are responsible for installing, repairing, or maintaining air conditioning units, heating units, and ventilation in homes and businesses. As a heating and A/C contractor, you are well qualified and trained for your position and should protect your risks. With this profession, your liability risks range from making a mistake while rendering repairs to harming yourself or your employees while performing HVAC services. Heating and A/C contractors insurance will help protect these and other risks.

We all know that accidents happen,
Lets get peace of mind that your are covered correctly and competitively going forward.

Design & Build Your Policy

When you’re putting together your trade or construction insurance policy, your core cover is going to be public liability insurance. It covers you if anyone claims compensation from your business because they’ve been injured or their property’s been damaged. For example if you leave your tools out while you’re working at a customer’s premises and an employee trips over them and suffer an injury, or if you’re working on site and accidentally drop a ducting that damages a person or car parked below, you could face a compensation claim. In these scenarios your public liability insurance could pay the legal fees and compensation costs, up to the limit of your policy. We offer up to £10 million of cover.

Don’t Be A Tool: Protect Your Tools & Equipment

You can also cover your tools in case they’re stolen or damaged by buying tools insurance, and you can add buildings insurance if you have a business premises. Don’t forget that employers’ liability insurance is usually a must-have if you’ve got any employees.

Are You Difficult to Place?

If you undertake any of the following we know just the right markets to approach on your behalf:

  • Depth/Height Limits
  • Hazardous Locations Including Airside
  • Industrial locations

Our Experience & Relationships

We cover over 1,000 trade types, including most types of tradesmen: from plumbers to mechanical-engineers, from rendering contractors to partitioners, from ductwork installers to shuttering carpenters. Just use the trade selector on our quote form to type in or select your trade.

Money Corner Shop is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover.

Our Panel of Insurers provide combined policies where cover can be adapted to meet individual requirements. Heating & ventilation contractors face a wide array of risks, hazardous locations and hazardous activities. We have experienced team ready to place your business no matter what type of contractors you are:

When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.

Cover Your Business
Competitively with our Panel

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What Insurance Does Your Business Need?

The insurance you need will depend on your specific type of business and the individual risks it faces, but these are popular covers for tradesmen:

  • Employers Liability: If you have employees, contractors, casual workers or temporary staff, you’re usually required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
  • As with any type of insurance, the cost of premiums may vary quite widely from one insurer to another. Here, our aim is to help you obtain the insurance cover you need at a competitive rate that represents good value for money.
  • The price of premiums is influenced by a number of factors, including:
  • The number of people you employ
  • The particular nature of your business
  • Your past insurance claims history

To comply with the law, employers’ liability insurance needs to cover:

  • Every permanent employee
  • Seasonal, casual and contract employees
  • Labour-only subcontractors
  • Trainees and employees who are on apprenticeships

Do You Need Professional Indemnity

Professional indemnity Insurance is essential to provide cover for any errors or mistakes in the work that you are contracted to do. For design-and-build contractors, professional indemnity cover is required in addition to policies such as Public Liability and Contractor’s All Risk but is just as essential.

Tradesman Public Liability Insurance

Public liability insurance usually comes up first when it comes to tradesmen insurance, this cover can protect you if you’re sued because someone is injured or their property is damaged.

Moneycornershop.com has the capacity to offer between £1 million and £25 million in cover, to protect you against legal fees and compensation costs.

You can include business buildings cover to protect your business premises, including fixtures and fittings.

  • You can also include plant and machinery insurance, which can provide protection for plant and machinery, whether you own it or hire it.
  • Contract works insurance can cover the cost of repairing or redoing work on a construction site if it’s damaged or destroyed by an insured event – like fire, flood, storm, vandalism or theft – while it’s in progress.
  • Personal accident insurance covers you against serious injury, or even death – paying out for the likes of lost income and medical costs.
  • You can include business buildings cover to protect your business premises, including fixtures and fittings.
  • Business equipment insurance to cover your business contents and office equipment.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business You can also check out our business insurance FAQs.

You Let Us Know How We Can Help You

Do You Need Any Further Cover?

  • Office Insurance
  • Commercial Motor Insurance
  • Personal Accident Insurance
  • Professional Indemnity

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Why Join Moneycornershop.com?

  • Join a huge network of happy customers
  • Online quotes, in under 10 minutes
  • Claims managed by individual insurers
  • Experienced business insurance brokers
  • We can help you save on your business utilities
  • We can help you raise Finance for your business