Business insurance for HVAC engineers

As a heating, ventilation and air conditioning (HVAC) engineer, insurance can protect you from risk associated with the work you do.

You may work on-site at businesses, fit insulation at private homes or operate in public spaces. Insurance for HVAC contractors and professionals can provide cover should you encounter problems. Whether one of your engineers is injured during their work, or you accidentally damage a client’s property.

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Why choose Hiscox for your HVAC insurance?


Cover from only £8.40*

Small business insurance from Hiscox starts from as little as £8.40*.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between April 2023 and April 2024


PL insurance worth up to £5m

We offer HVAC engineers public liability insurance of up to £5 million for compensation awards and legal defence costs.



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Purchasing insurance from Hiscox is simple, allowing you to buy the cover you need in minutes.

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Tell us about your HVAC business – We’ll help you to build your quote and explore your insurance needs.

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Why do HVAC engineers need insurance?

Your faulty product damages property

After installing an air conditioning unit at a client’s home, you receive a message to tell you it has malfunctioned and damaged their property. Surprised, you return to the property to find the product you’ve installed is defective.

If as an HVAC engineer you’ve supplied a faulty product that causes damage or injury, public and products liability insurance can help to pay compensation relating to the property damage or injury. But it would not cover the cost of the replacement or recall of a faulty product.

A problem with your design

As an office-based HVAC engineer, you provide design services to your clients. A restaurant owner asks you to design how a new central HVAC system could be incorporated in their restaurant. You give them professional advice on the system you’d recommend, and they agree to your suggestion.

But it soon becomes apparent you made the wrong recommendation and your mistake results in the client launching legal action. Professional indemnity insurance can help to cover costs relating to claims you provided negligent advice.

Your engineer is injured on a job

When installing an air conditioning unit, a loose bolt causes a section of pipe to fall onto one of your engineers. They are concussed and an ambulance arrives to take them to hospital for treatment. They are unable to work and have to take time off to recuperate.

If your engineer takes action against you with a compensation claim, employers’ liability insurance could help to cover the costs.

What insurance is available for HVAC engineers?

For HVAC engineers, other common insurance types can include personal accident insurance and commercial property insurance.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your HVAC business. We’ll help you to build your quote and explore any other insurance needs.

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The service is really easy to use and provides clear options to get covered. Happy with the service and have now been with Hiscox for years.
Paul Corke
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Insurance for HVAC engineers: FAQs

Can I get HVAC contractor insurance as a sole trader?

Yes, heating, ventilation and air conditioning firms and sole traders can get business insurance with Hiscox. Our sole trader insurance options can be tailored to engineers who move from place to place. For instance, you might add portable equipment insurance for the tools you transport.

Do you provide proof of cover to HVAC engineers?

Yes, we can provide proof of cover as soon as you buy business insurance. In the world of heating, ventilation and air conditioning (HVAC), you might find your clients ask for this. In particular, clients might ask to see proof you hold public liability and professional indemnity insurance.

How much does insurance cost for an HVAC engineer?

The cost of your insurance package will depend on which covers you add and your own personal situation. However, as a rule of thumb, public liability insurance starts at £5.20 a month* with Hiscox. If you want to add additional covers beyond PL, that price will likely increase.

*Figures based on an average of all public liability policies sold to at least 10% of our customer base between April 2023 and April 2024

What are some common insurance types that engineers take out?

There are a number of business insurance covers that engineers can arrange, depending on the type of engineer and where they work. These include public liability, which relates to potential incidents that can arise when your business interacts with third parties.

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Equipment breakdown insurance

As an HVAC engineer, your equipment is essential to your job. Equipment breakdown insurance can help to protect your tools.

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Employers’ Liability Act: how it affects business insurance

The Employers’ Liability Act has been a staple of employment law for over half a century. Discover more about how it affects your business insurance.

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How to price a product or service

Knowing how to price your services can be challenging for HVAC engineers. Read our advice on pricing your products and services.