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HVAC Contractors Insurance

We offer bespoke insurance policies for HVAC contractors and engineers, which protect against common risks such as on-site accidents or property damage.

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Make sure that your business is financially protected against common risks and unforeseen accidents with our comprehensive heating, ventilation, and air conditioning (HVAC) contractors insurance.

As a broker, our team of experts can create tailored insurance policies to fit your exact business needs.

HVAC contractors insurance policy features*

  • The typical features include business property cover, employer liability, public liability with varying levels of indemnity, contract works to protect the materials you are using both on-site and in transit, and a 24-hour legal advice helpline
  • You can opt to extend cover to include your tools and plant
  • Typical exclusions would include hazardous locations, asbestos, theft of tools from unattended vehicles.
What is HVAC contractors insurance?

HVAC contractors insurance is a tailored insurance policy that covers the unique risks faced by sole traders and business owners working with heating, ventilation and air conditioning.

Instead of having to take out several policies, HVAC contractors insurance groups together protection to cover against potential liabilities, property damage, and other incidents and accidents that can occur during your work, whether on-site or in transit.

Do HVAC contractors need insurance?

Employers liability insurance is a legal requirement for all businesses with employees.

While other types of insurance, like business property cover, aren’t legally mandated, they do safeguard you from what can be potentially significant financial losses from accidents, injuries, or property damage.

How much does HVAC contractors insurance cost?

The cost of HVAC contractors insurance depends on several things, including the types of buildings you service, your chosen level of cover, your location and your claims history. Whether you’re a sole trader or a business, our experts will make sure that you have the appropriate level of cover to look after your specific business needs.

Do you provide plumbers insurance?

As a broker, we can tailor your policy to cover your business needs including providing insurance for the risks associated with carrying out plumbing work. You can find out more by viewing our plumbers insurance page.

*This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Words from our clients…

Shannonside Civil Engineering Ltd

"Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

John Hall, Director, West Midlands Fasteners

"Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

Faisal Ravat, Managing Director, E&S Motors Ltd

"We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

Frank Ryan, Director, Reirse Ryan Ltd

"We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

Gerald Doble, Director, G A Doble

"The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

John Dyke, Central Scaffold Walsall Ltd

"As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall