They were extremely helpful and knowledgeable and I would be happy to recommend them.
Mr Dudley Walker - Friday, November 03, 2023
“Top stuff 100% would recommend them.”
Paid out a claim and work was done for customer in 6 days! Fantastic thanks.
William Freeman - Sunday, October 29, 2023
“Great Insurance Company”
Form was simple to fill out and prices seems reasonable for the amount of insurance covered
After reading a lot of the company reviews I’d no hesitation in placing my business with such a well established company
Classic Conservatories NI Ltd - Saturday, November 11, 2023
“Great service”
Great service easy to deal with and polite very professional
Hull Carpets Vinyl - Friday, November 03, 2023
Your cover options
Essentials
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
Classic
OurClassic 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)
Plus
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
Extras
Looking for extra insurances for your building work? We have a list ofoptional extras to give you the cover you need:
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.
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.
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 maneuvering 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.
Related content
Public liability insurance FAQs
Got a specific question on public liability insurance? Find out everything you need to know, including what it's designed for, the levels of cover, plus much more.
Tools are your livelihood, that's why we offer standalone cover just for your tools. A great addition to an existing policy, tools insurance covers you up to £15,000.