# HVAC Contractors Insurance Running an HVAC business means working with gas, electrics, pressurised systems and expensive plant equipment, often inside someone else's home or premises. One mistake can lead to a costly claim. HVAC contractors insurance protects your business, your team and your income if something goes wrong on the job. At RAW Insurance, we arrange HVAC contractors insurance for heating, ventilation and air conditioning engineers across the UK, from sole traders to growing teams with vans and subcontractors on the books. [Request a quote](https://www.rawinsurance.co.uk/contact-us) ![Tradesman Insurance Brokers Carlisle, Cumbria](https://www.rawinsurance.co.uk/images/Hero%20Characters/hvac-contractor-insurance.png) ![Image](https://www.rawinsurance.co.uk/images/2021/05/27/tradesman.png) ### HVAC Engineers Insurance Our HVAC contractors insurance can be tailored around the way you work. Whether you install, service or repair boilers, ventilation systems, air conditioning units, ductwork or other HVAC equipment, we'll help you arrange cover that reflects your work, tools, team and day-to-day risks. - Public liability cover to protect against third-party injury or property damage claims - Tools and equipment cover for eligible items used as part of your work - Professional indemnity cover where you provide advice, designs, specifications or recommendations - Employers' liability cover if you employ staff, apprentices or certain other workers - Personal accident cover to provide financial support if an injury prevents you from working - Van and goods in transit cover available for tools, parts and equipment while on the move - Cover suitable for sole traders, contractors and established HVAC businesses across the UK If you would like a quote, please get in touch with one of our team on [01228 586231](tel:01228%20586231). ### What do our customers say... "Excellent. Nothing is too much trouble." Richard Waugh - Geltside Electrical Services Ltd "Professional service with a personal touch." Martin Scott - T& S Air Conditioning ## What Is HVAC Contractors Insurance? HVAC contractors insurance bundles key covers tailored to the risks heating and ventilation engineers face daily. It typically combines public liability, professional indemnity, employers' liability, and tools and equipment cover into one practical policy. Whether you install, maintain, or repair HVAC systems like refrigerants, boilers, ductwork, or electrical components, your insurance should reflect your specific work and business needs, not a generic tradesman template. This applies equally to air conditioning contractors and heating system installers. ## Why RAW's HVAC Contractors Insurance Works Here’s what makes working with us different from everything else on the market: ### Combined Team Experience You Can Lean On Our advisers have years of experience placing cover for tradespeople, including heating and ventilation engineers working on domestic, commercial and industrial sites. We know the difference between a straightforward boiler service and a full commercial plant installation, and we price your risk accordingly. ### Dedicated Personal Claims Handler If you ever need to claim, you deal with one person who knows your policy and your business, not a call centre queue. That means faster answers and less stress when something has gone wrong. ### All Covers on One Policy Public liability, professional indemnity, tools cover and employers' liability can all sit under a single policy, so you're not juggling renewal dates and separate insurers for each risk. ### Jargon-Free Advice We explain what you're covered for in plain English, so you know exactly what protection you're paying for, where the gaps might be, and get professional advice on choosing the right insurance policy for the risks of your work. ## HVAC Contractor Insurance by Policy Feature ### Public Liability Insurance Covers claims for injury or property damage caused to others by your work, such as a gas leak or an accidental knock to a client's property while installing equipment on site. ### Professional Indemnity Insurance Covers financial losses if a client claims your advice, design or specification was at fault, even where no physical damage occurred. ### Tools Insurance Tools insurance covers the cost of replacing your tools and equipment if they're lost, stolen or damaged. ### Employers' Liability Insurance Employers' liability insurance is a legal requirement if you employ anyone, covering compensation claims for work-related injury or illness. ### Personal Accident Insurance Personal accident cover provides financial support if you're unable to work because of an injury. ### HVAC Van and Goods in Transit Cover Protects your tools, parts and equipment while in transit, with options to cover your van for business use. ## How Getting Covered Works Getting a HVAC contractors insurance quote through RAW takes three simple steps. 1 ### Quick Business Assessment Tell us about your trade, the size of your team and the type of work you take on, from domestic servicing to commercial installation. 2 ### Tailored Quote We provide an HVAC insurance quote based on your business needs and the type of insurance for HVAC contractors you require, then match you with an HVAC insurance policy that reflects your actual risk rather than a one size fits all package. We also help you compare HVAC liability insurance options and talk you through what's included so you can choose suitable cover. 3 ### Setup and Ongoing Support Once you're covered, your dedicated adviser stays on hand for renewals, changes to your business, and any claims that come up. ## Why Arrange Your HVAC Contractors Insurance Through RAW Insurance? We work with a panel of insurers who understand the heating and ventilation trade, so we can place cover for everything from single-person operations to larger HVAC businesses with subcontractors and higher value equipment. You get a policy built around your business, backed by advisers who pick up the phone when you need them. ## Frequently Asked Questions Most HVAC contractors need public liability insurance as a minimum, with professional indemnity, employers' liability, product liability and tools cover added depending on the work undertaken. Higher-risk work involving refrigerants, electrical systems or gas appliances can also affect the cover needed. RAW can assess your business and recommend the right combination. Yes. If you employ anyone, UK law requires you to hold employers' liability insurance, even for part time or casual staff. It depends on the policy. Some covers extend to subcontracted labour, while others require subcontractors to hold their own insurance. We'll check this with you when arranging your quote. Cost depends on your trade, team size, claims history and the level of cover you need. The level of cover also depends on the work environment and the risks tied to your policy. A tailored quote is the quickest way to get an accurate figure for your business. Yes. Public liability, professional indemnity, employers' liability and tools insurance can typically be combined into a single package policy through RAW. It covers financial losses a client suffers because of your advice, design or specification, including claims arising from negligent advice as well as specification errors, such as an incorrectly sized system, rather than physical damage caused on site. ## You May Also be Interested In ### [Tradesman Insurance](https://www.rawinsurance.co.uk/commercial/tradesman-insurance) Straightforward, reliable cover from a trusted tradesman insurance broker in Carlisle, protecting your tools, your work, and your livelihood without the jargon. ### [Plumbers Insurance](https://www.rawinsurance.co.uk/commercial/tradesman-insurance/plumbers-insurance) Specialist protection against water damage claims, burst pipes, and the specific risks that come with repairing water systems and emergency call-outs. ### [Electricians Insurance](https://www.rawinsurance.co.uk/index.php?option=com_sppagebuilder&view=page&id=54) Coverage designed for electrical work, including professional indemnity insurance for advice and testing responsibilities, plus liability insurance for fire or property damage risks. ### [Self Employed Tradesman Insurance](https://www.rawinsurance.co.uk/commercial/tradesman-insurance/self-employed) Flexible insurance for tradesmen who handle multiple types of work, providing the same level of protection as trade-specific policies with added versatility. ### [Painters & Decorators Insurance](https://www.rawinsurance.co.uk/commercial/tradesman-insurance/painters-and-decorators-insurance) Cover against property damage, chemical risks, and the hazards of working at height with ladders and scaffolding. ### [Builders Insurance](https://www.rawinsurance.co.uk/commercial/tradesman-insurance/builders-insurance) Cover against risks such as damage to customer or neighbouring property, materials being damaged before completion, theft of equipment, injury to the public and contractual liability requirements.