Heating, ventilation and air conditioning engineer insurance
Our specialist insurance policy provides cover for a wide range of risks facing engineers involved in design and consultancy of heating, ventilation and air conditioning systems.
An unexpected event could put a severe financial strain on your business. A mistake in an air conditioning system design for a client, damage you cause to a client’s property during an on-site consultation, or a break in at your office could be disastrous for your business. Our heating, ventilation and air conditioning engineer insurance can offer your business specialist cover against these risks, tailored to your individual needs.
We can help you build your insurance policy in minutes. Our simple quote system asks about your business activities and offers you covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the insurance you need.
Tailor your business' insurance policy with these covers
Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This cover is essential for heating, ventilation and air conditioning engineers, and insurance is available with limits ranging from £100,000 to £5m.
Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you regularly visit client premises for consultations, you may want to consider this cover. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If your business employs staff, including other engineers, you are likely to need this cover. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
Our homeworkers insurance offers tailored cover for home based engineers
Our homeworkers insurance policy is specifically designed to offer expert cover to home businesses. Many of the risks facing home businesses are not covered by standard home insurance policies - including mistakes you make in jobs for clients - so without the right cover, your business could be left exposed to thousands of pounds worth of payouts in the event of a claim. Our homeworkers insurance can offer your business comprehensive cover that can be tailored to seal any gaps in cover.
We offer a range of liability covers, as well as the option of insuring your home office contents. With a choice of limits suitable for all sizes of business, you are guaranteed to find the right insurance.
Cover starts at just £5/month over 10 interest free instalments.