HVAC Insurance
Specialist heating, ventilation & refrigeration insurance policies.
Why Choose Howden for HVAC Liability Insurance?
Howden is the new name for Primo.
Howden takes pride in simplifying and securing the right liability insurance for your HVAC business. As a trusted insurance broker, we leverage our strong relationships with leading insurers in the HVAC and construction sectors to compare multiple policies, ensuring a quick and seamless experience. We aim to handle the details so you can focus on what matters most—delivering top-notch HVAC services and keeping your business running smoothly.
We understand that every HVAC contractor has unique needs, so we provide a personalised service. Whether you require comprehensive liability cover or a more specialised policy, we take the time to understand your specific requirements, ensuring your insurance package is tailored to fit your business perfectly.
At Howden, we’re here for you—whether you need to secure a new policy, renew existing coverage, or make a claim. We are committed to providing the support and peace of mind you need, allowing you to focus on delivering the best HVAC solutions to your clients.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- Our brokers are well-versed in the nuances of the trade industry.
- We'll work with you to create a bespoke insurance package that meets your unique needs and budget.
- We leverage our relationships with top UK insurers to secure the best rates for our clients.
- Our dedicated team is committed to providing exceptional service.
HVAC Insurance: Heating, Ventilation & Air Conditioning Insurance
Welcome to HVAC Insurance, a specialised insurance solution designed exclusively for UK heating, ventilation, and air conditioning contractors. Our insurance policies are meticulously crafted to provide comprehensive coverage, offering competitive premiums and a wide range of cover options tailored to the unique needs of businesses of all sizes in the HVAC industry.
At Howden, we understand the intricacies and challenges HVAC contractors face daily. That's why we go beyond cookie-cutter insurance plans to offer bespoke, tailored insurance solutions that align perfectly with your business requirements.
Whether you are a small contractor or a large enterprise, our experienced team works closely to assess your risks and design insurance packages that provide optimal protection, ensuring your peace of mind in every aspect of your operations.
How does HVAC Insurance work?
HVAC encompasses various tasks and responsibilities. From regular maintenance and routine repairs to complex installations and environmental compliance, HVAC contractors operate in dynamic and demanding environments.
Our insurance cover reflects this diversity, including but not limited to:
- Public Liability Insurance: Protects you against successful claims for injury or property damage caused during work activities, ensuring financial security in case of unforeseen incidents. It can cover legal costs, compensation claims, and other expenses, potentially saving your business from significant financial loss.
- Employers' Liability Insurance: Fulfilling legal obligations by covering liabilities related to employee injuries or illnesses sustained during work, whether permanent or temporary staff.
- Products Liability Insurance: Safeguarding manufacturers, suppliers, and distributors against claims from faulty products, ensuring financial stability amidst product-related legal challenges.
- Professional Indemnity Insurance: Covering legal expenses and compensation costs arising from professional negligence or errors in service delivery, maintaining your reputation and financial stability in the face of legal disputes.
Expertise and support
Beyond offering comprehensive insurance coverage, Howden provides ongoing support and expertise to help navigate the complexities of the HVAC industry.
Our team is dedicated to assisting you with risk assessments, regulatory compliance, claims processing, and adapting your insurance cover to evolving business needs.
With Howden, you can focus on delivering exceptional HVAC services while having confidence in your insurance protection, knowing that you are not just a number to us but a valued partner.
HVAC Insurance FAQs
What is HVAC insurance?
HVAC insurance, an acronym for Heating, Ventilation, Air Conditioning, and Refrigeration insurance, is a specialised type designed to protect contractors and businesses operating in the HVAC industry. This industry requires unique insurance cover with complex systems, potential environmental hazards (like refrigerants), and liabilities such as property damage or injuries. HVAC insurance typically includes public liability insurance, employers' liability insurance, product liability insurance, professional indemnity insurance, business interruption insurance, and environmental liability insurance.
Why is HVAC insurance important for businesses?
HVAC work involves complex systems, potential environmental hazards (like refrigerants), and liabilities such as property damage or injuries. Imagine a scenario where a faulty HVAC system causes a fire on a client's property. In such cases, HVAC insurance provides a safety net, helping businesses mitigate financial risks associated with these factors and offering a sense of security and protection.
What types of companies need HVAC insurance?
HVAC insurance is essential for heating, ventilation, air conditioning, and refrigeration contractors, including installers, repair technicians, maintenance teams, and HVAC equipment manufacturing or distribution companies.
What does public liability insurance cover in HVAC insurance?
Public Liability Insurance covers costs related to claims for accident, injury or property damage caused by your business activities. For example, public liability insurance would cover repair costs or compensation if a technician accidentally damages a client's property during installation.
How do employers' liability insurance benefit HVAC businesses?
Employers' Liability Insurance, a legal requirement in the UK, ensures financial protection and emphasizes the importance of businesses' compliance with legal obligations. This understanding of responsibility and awareness is crucial for HVAC businesses.
What risks does product liability insurance address in the HVAC industry?
Product liability insurance protects manufacturers, suppliers, and distributors of HVACR equipment against claims arising from defects or malfunctions in their products. It covers costs related to injuries or damages caused by faulty products.
What is professional indemnity insurance, and why is it crucial for HVACR professionals?
Professional indemnity covers your legal costs and compensation payments resulting from professional errors, negligence, or inadequate advice. For HVAC professionals, it protects against claims due to mistakes in design, installation, or maintenance services.
How does business interruption insurance help HVAC businesses?
Business interruption coverage is a crucial tool that financially supports HVAC businesses facing revenue losses due to unforeseen events like equipment breakdowns, fires, or natural disasters. It covers ongoing expenses and lost income during recovery, providing a safety net during challenging times.
Are there specific environmental liabilities covered by HVAC insurance?
Yes, HVAC insurance addresses ecological liabilities such as pollution incidents related to refrigerant leaks or improper disposal. It covers costs for environmental cleanup, legal fees, and regulatory penalties.
How can HVAC insurance help businesses comply with industry regulations?
HVAC insurance policies are designed to align with industry regulations regarding environmental protection, employee safety, and product quality. For instance, if a business is required to have a certain level of public liability insurance to operate legally, having this cover in their HVAC insurance policy ensures compliance. By having appropriate insurance coverage, businesses demonstrate their commitment to compliance and risk management, which can help them avoid legal issues and maintain a good reputation in the industry.
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