TDI Feefo Reviews Combined Stars 12.07.21
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Your cover options


Our Essentials package includes Public Liability insurance and cover for Financial Loss.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Financial Loss £100,000


Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Professional Indemnity cover £100,000
  • Financial Loss cover £100,000
  • Accidental Death cover
  • First £1,000 of Tools cover (can be increased to £15,000)


Our most popular option, the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.

  • Public Liability insurance up to £5 million
  • Employers' Liability insurance £10 million
  • Professional Indemnity cover £100,000
  • Financial Loss cover £100,000
  • Accidental Death cover
  • First £1,000 of Tools cover (can be increased to £15,000)
  • Personal Accident cover up to £600 a week per person


Looking for extra insurances for your work? We have a list of optional extras to give you the cover you need: 

  • Contract Works
  • Owned Plant
  • Hired in Plant
  • Jury Service cover
Air con engineer on stepladder checking industrial unit

Quality public liability insurance for heating, ventilation and air conditioning engineers

Our refrigeration, ventilation and air conditioning engineers’ insurance policy is designed specifically to cater for smaller HVAC businesses, the self-employed and sole traders. Our public liability insurance offers cover of £1 million, £2 million and £5 million. As well as this, £10 million of employers’ liability cover for up to 15 direct employees or labour only sub-contractors is also available.

Smiling contractor fixing outdoor air con unit

The benefits of HVAC contractors insurance

Air conditioning and ventilation engineers often work in difficult environments. Losing tools, damaging property or physical injury all could damage your business. As part of our insurance, if you choose our Classic or Plus cover, you’ll get 24-hour insurance for £1,000 of tools, which you can increase to £15,000. Plus, you have the option to pay in monthly instalments on Direct Debit.

Get a Quote

Engineer fixing ceiling air con unit

Who do we cover?

  • Sole traders, partnerships, limited companies and limited liability partnerships
  • We offer cover for air conditioning installers for domestic and commercial property types – see below for details
  • Individuals and small to medium sized businesses specialising in air conditioning installation and maintenance
  • Businesses with a turnover up to £3 million

Why us for your HVAC liability insurance?

With Classic and Plus you will 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.

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”, or chat to our friendly and knowledgeable team on 0800 0280 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.

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Tools Insurance

Tools are your livelihood, that's why we offer standalone cover just for your tools. Also a great addition to any existing policy, with tools insurance you can extend your cover up to £15,000. 

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Van Insurance

Get covered with comprehensive, third party only or third party fire & theft van insurance. Check out our cover options, features and benefits. 

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Frequently Asked Questions

Whether you're looking for more information, or a specific answer, we have a hefty FAQs section, where you'll hopefully find what you're looking for.