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HVACR Insurance: Heating, Ventilation & Refrigeration Insurance

Welcome to HVACR Insurance, a specialised insurance solution designed exclusively for heating, ventilation, air conditioning, and refrigeration contractors across the UK. Our insurance policies are meticulously crafted to provide comprehensive cover, offering competitive premiums and a wide range of cover options tailored to meet the unique needs of businesses of all sizes in the HVACR industry.

Tailored Insurance Solutions

Arranged by Primo

At Primo, we understand the intricacies and challenges HVACR 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-scale 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.

Comprehensive Cover for Varied Needs

HVACR encompasses various tasks and responsibilities. From regular maintenance and routine repairs to complex installations and environmental compliance, HVACR 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 cover, Primo provides ongoing support and expertise to help navigate the complexities of the HVACR 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 Primo, you can focus on delivering exceptional HVACR services while having confidence in your insurance protection, knowing that you are not just a number to us, but a valued partner.
Selecting the correct insurance partner is crucial for the success and sustainability of your HVACR business. With HVACR Insurance arranged by Primo, you gain access to tailored insurance solutions and benefit from our industry expertise, which is always at your disposal.
Our personalised support and commitment to ensuring your peace of mind in every aspect of your operations will allow you to thrive in the competitive HVACR market, confident in the knowledge that you are backed by the best in the business.
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Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
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Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
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Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.
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HVACR Insurance FAQ: Protecting Your Heating, Ventilation, Air Conditioning and Refrigeration Business | Primo

  • What is HVACR insurance?

    HVACR insurance, an acronym for Heating, Ventilation, Air Conditioning, and Refrigeration insurance, is a specialised type designed to protect contractors and businesses operating in the HVACR industry. This industry requires unique insurance cover with complex systems, potential environmental hazards (like refrigerants), and liabilities such as property damage or injuries. HVACR insurance typically includes public liability insurance, employers' liability insurance, product liability insurance, professional indemnity insurance, business interruption insurance, and environmental liability insurance.
  • Why is HVACR insurance important for businesses?

    HVACR work involves complex systems, potential environmental hazards (like refrigerants), and liabilities such as property damage or injuries. For instance, imagine a scenario where a faulty HVACR system causes a fire in a client's property. In such cases, HVACR 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 HVACR insurance?

    HVACR insurance is essential for heating, ventilation, air conditioning, and refrigeration contractors, including installers, repair technicians, maintenance teams, and HVACR equipment manufacturing or distribution companies.
  • What does public liability insurance cover in HVACR 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 HVACR businesses?

    Employer liability insurance, a legal requirement in the UK, not only ensures financial protection but also emphasizes the importance of businesses' compliance with legal obligations. This understanding of responsibility and awareness is crucial for HVACR businesses.
  • What risks does product liability insurance address in the HVACR 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 HVACR professionals, it protects against claims due to mistakes in design, installation, or maintenance services.
  • How does business interruption insurance help HVACR businesses?

    Business interruption coverage is a crucial tool that financially supports HVACR 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 HVACR insurance?

    Yes, HVACR 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 HVACR insurance help businesses comply with industry regulations?

    HVACR 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 HVACR insurance policy ensures compliance. By having appropriate insurance cover, businesses demonstrate their commitment to compliance and risk management, which can help them avoid legal issues and maintain a good reputation in the industry.
  • What factors determine the cost of HVACR insurance premiums?

    Premiums for HVACR insurance are influenced by factors such as the business size, types of services offered, annual revenue, claims history, number of employees, coverage limits required, and the geographical scope of operations.
  • How can HVACR businesses lower their insurance premiums?

    HVACR businesses can lower insurance premiums by maintaining a good safety record, implementing robust risk management practices, investing in employee training, and updating equipment regularly. However, the most effective way to find cost-effective coverage is by working with experienced insurance brokers, who can guide and support businesses in this process.
  • Are there seasonal considerations that impact HVACR insurance needs?

    Yes, seasonal fluctuations in workload or weather conditions can influence HVACR insurance needs. For example, increased demand during summer for air conditioning services may require adjustments in coverage or policy limits to address potential risks.
  • Can HVACR insurance cover subcontractors or temporary workers?

    Yes, HVACR insurance policies can be tailored to include cover for subcontractors or temporary workers hired by your business. It ensures that all workers involved in your projects are adequately protected against risks.
  • How does professional liability insurance differ from professional indemnity insurance in HVACR contexts?

    Professional liability and professional indemnity insurance are often used interchangeably. In the HVACR context, both refer to insurance covering legal costs and damages resulting from professional errors or negligence in service delivery, design, or advice.
  • What steps should HVACR businesses take in case of an insurance claim?

    In case of an insurance claim, HVACR businesses should promptly notify their insurance provider, gather relevant documentation (such as incident reports, photos, and witness statements), cooperate with the claims investigation, and seek legal advice if necessary. It's important to note that the process may vary depending on the insurance provider, but generally, the steps involve notifying the insurer, providing necessary documents, and cooperating with the investigation. If the claim is approved, the insurer will provide the agreed-upon compensation.
  • How often should HVACR businesses review and update their insurance policies?

    HVACR businesses should review and update their insurance policies annually or whenever significant changes in operations, workforce size, services offered, or regulatory requirements exist. Regular reviews ensure that cover remains adequate and cost-effective.
  • Are there additional covers that HVACR businesses should consider beyond basic insurance policies?

    Yes, HVACR businesses may consider additional cover such as cyber liability insurance (for data protection), equipment breakdown insurance (for critical HVACR equipment), and commercial vehicle insurance (for company vehicles used in operations).
  • Can HVACR insurance policies be customised for specific project requirements?

    Yes, reputable insurance providers offer the flexibility to customise HVACR insurance policies based on specific project requirements, contract terms, geographic locations, and other unique factors. This flexibility empowers businesses, allowing them to feel in control of their insurance coverage.
  • How does working with an experienced insurance broker benefit HVACR businesses?

    Working with an experienced insurance broker familiar with the HVACR industry ensures access to specialised insurance products, competitive pricing, expert risk assessments, ongoing support for claims management, and proactive guidance in adapting insurance cover to evolving business needs. This expertise instils confidence and trust in the insurance process.

Help with choosing the right cover options for your business.

Some of the cover options and extensions listed below may be included in your policy, while others may be purchased separately or added on.
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Buildings and Contents

What is Covered? Your buildings, fixtures, and fittings, including gates, fences, car parks, underground cables and pipes. It may also include cover for stock and cash on the premises, and in some cases, it can also provide for seasonal stock increases free of charge.

Business Interruption

If your business needs to close due to a disaster like a flood or a fire, or even after a forced entry, our reliable business interruption covers the shortfall in your business finances. Insurance gives you the confidence to bounce back, demonstrating the resilience of your business.
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Contractor removes items from van

Goods in Transit

Cover is available as an extension on a typical tradesman insurance policy. It protects you financially for the replacement cost of goods lost or damaged in transit from point A to point B. In the event of such a loss or damage, you would need to notify your insurer, provide evidence of the loss or damage, and follow their claims process to receive compensation.
It covers the cost of obtaining legal advice, which involves consulting with a legal professional, and the costs involved when bringing or defending a court case, such as court fees and attorney fees. The policy conditions and the amounts covered vary from insurer to insurer, so check with your broker.
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Personal Accident & Assault

There are several different types of personal accident cover, each offering a unique level of protection. Whether you prefer personal accident only, group accident, personal accident sickness, or personal accident assault, the choice is yours. The provided protection may be included or obtainable as a stand-alone policy.

Tools and Equipment

Insuring the tools you use for your trade is vital. For instance, electricians' work tools, such as wire strippers, pliers, and voltage testers, are an indispensable part of running their businesses. In most cases, you can insure your hand and power tools against damage, theft, or loss under your general liability insurance.
A selection of various electrician work tools

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