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"Insurance At Trade Prices"
Over 40,000 customers have chosen Trade Direct
Over 30 years trading
Expert UK telephone support available
Quote and cover in less than 5 minutes

Liability Insurance

Join over 40,000 air-conditioning installers and other tradespeople who protect their business against unforeseen risks and costs with us

4.9/5 rating - read our reviews
Public Liability up to £5M
Electrical Wiring Certification available

What cover can I get?

Cove for upto £5mPublic Liability cover of £1M, £2M or £5M

£15,000 Tools cover availableUp to £15,000 Tools cover is available (subject to product selected)

Personal Accident and Jury Service extensionsPersonal Accident and Jury Service cover extensions available (subject to product selected)

Optional extras availableOptional extras such as Employers’ Liability Insurance, Stock, Contract Works, Owned Plant can be added to the policy

Who do we cover?

We cover all types of businessesWe cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships

Electricians typesWe offer cover for air-conditioning installers for domestic and commercial property types – see work types for details

from individuals to medium sized companies specialising in interior and electrical installationIndividuals and small to medium sized businesses specialising in air-conditioning installation and maintenance

Cover up to £3mBusinesses with a turnover up to £3M

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For air conditioning and ventilation engineers, having liability insurance should be part of your business plan. If you’re looking for refrigerationventilation and air conditioning liability insurance, we can help.

Quality Combined Liability Insurance for ventilation and air conditioning engineers

Our refrigerationventilation and air conditioning engineers insurance policy has been designed specifically to cater for smaller businesses, the self-employed and sole traders. Our Public Liability insurance offers cover from £1M up to £5M, and if you have employees, £10M of Employers’ Liability cover for up to 15 direct employees or labour only sub-contractors is added automatically.

The benefits of taking out air conditioning installers insurance

Air conditioning and ventilation engineers often have to work in cramped and difficult environments or at height. Loss of hand powered tools, damage to client property or even physical injury are all risks that could potentially damage your business’s ability to run efficiently.

As part of our refrigeration, ventilation and air conditioning engineers insurance package, if you choose our Classic or Plus cover you automatically receive 24-hour insurance for £1,000 of Tools, with the option to increase this cover to £15,000 for hand tools and portable power tools, no matter where in the UK you’re working. With Classic and Plus you will also benefit from £100,000 of Professional Indemnity insurance. If you select Plus cover, Personal Accident cover is included within your policy – designed to pay a weekly amount if you’re unable to work as a result of an accident at work.

Why us for your refrigeration, ventilation and air conditioning liability insurance?

3 levels of cover – Essentials, Classic and Plus
Public Liability from £1M to £5M
Employers’ Liability of £10M
A range of optional extensions including Hired plant, Owned plant, Stock, Personal Accident, Jury Service and Contract Works
Cover limits that can be tailored to your needs

Over 40,000 customers insure their business with Trade Direct, and our product is backed by Zurich – a big name in insurance.

Property types

Domestic only – Cover for private dwellings only.

Domestic & Light Commercial – Cover for private dwellings, shops, offices, public houses, guest houses, hotels, schools, restaurants and takeaways.

All property types –  All types of properties except work in or on railways, railway installations, watercraft, blast furnaces, chimney shafts, collieries, dams, gas works, mines, power stations, steeples, towers, tunnels, bridges, viaducts, canals, docks, piers, wharves, quarries, chemical works, oil refineries or fuel depots, work in or on aircraft, work in or on airport or aerodrome runways manoeuvring areas or aprons or those parts of airports or aerodromes to which aircraft have access.

So, if you’re looking for quality air conditioning installers insurance, click “Get a quote”, chat to our friendly and knowledgeable team on 08000 280 380, or find other ways to contact us via our Contact Us page.

Don’t leave your business to chance – make sure you’re covered with Trade Direct Insurance.


Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

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Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.