Heating, ventilation and air conditioning engineer insurance
Specialist cover for HVAC engineers from as little as £5 a month
Fast, easy online quote in 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at just £5 a month
Cover starting at just £5 a month
Frequently asked questions
I need professional indemnity insurance to secure a contract - do you provide proof of cover?
Yes. If you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) which you can present to agencies and clients as proof of cover.
Is my past work covered?
We cover past work if you have held professional indemnity insurance uninterrupted prior to arranging your policy with us.
If there was a period of time where you did not have professional indemnity insurance in force (for example, you have never arranged professional indemnity insurance before, you chose not to renew a previous policy or you cancelled a previous policy at the end of a contract) we are unable to cover past work.
If you require further clarification, don't hesitate to call us on 0800 640 6600.
What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance is different - it covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits, so you're sure to find the right cover for your business.
Why should I insure with Markel?
Established over 25 years ago, we've gained an unrivalled understanding of the risks facing contractors, consultants, freelancers and self-employed professionals, and our policies are specially designed to protect you.
We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £850m ($1.05 billion) in 2016.
We're proud to have been named Claims Team of the Year at the Commercial Insurance Awards 2016. We know how much disruption a claim can bring to your life, which is why we aim to deal with all claims fairly and swiftly.
Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.
Insure with Markel and access these exclusive benefits
Our insurance policy for HVAC engineers includes access to a number of services designed to make your life easier.
Fee dispute service
As every contractor, consultant or self-employed professional knows, customers don't always pay on time and chasing fees/invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with professional indemnity insurance.
Discounted IR35 contract reviews
Falling within IR35 legislation - which determines that an individual is avoiding tax by using a limited company to disguise employment - is a huge concern for HVAC engineers, with the fees and penalties due to HMRC eye-wateringly high. Our policyholders receive an exclusive discount on IR35 contract reviews from Abbey Tax (a Markel company), who have over 20 years experience advising individuals and businesses on their tax status. As part of the service, Abbey Tax will review your contract, along with your working practices, to determine whether or not you are operating outside of IR35, and you'll receive a written report with suggested contract amendments where appropriate. Policyholders can access this service by calling 0345 223 2727 or emailing firstname.lastname@example.org, quoting 'MKLD' and your policy number.
When there's an issue with one of your employees, it can be difficult to know where to turn for advice. Our dedicated team of employment law specialists at LHS Solicitors are on hand to assist you with a range of employment law disputes including disciplinaries, dismissals, unlawful discrimination, redundancy and TUPE. Included as standard with legal representation and employment disputes insurance.
Public relations crisis management service
In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.