With many years experience in the arrangement of liability insurance we provide instant access to air conditioning engineers insurance offering on-line quotes and cover for air conditioning engineers from our panel of leading liability insurance underwriters in the UK.
What type of insurance does an air conditioning engineer require?
Whilst the type and range of insurance you may need does depend on the way your business is established and how you operate, as a contractor working on customers premises making sure that you are protected against claims in respect of you legal liability for personal injury and property damage probably has the highest priority for an air conditioning engineer.
Public liability insurance for an air conditioning engineer
This protects you against claims in respect of your legal liability for personal injury and property damage arising in the course of your business. The policy meets the cost of any awards made against you as well as the legal costs associated with the defence of any claim. Any claims in respect of damage to third party property will be subject to a policy excess, generally £250.
You will need to select a limit of indemnity under the policy, generally £1m £2M or £5M, and this should reflect the type of work you engage in and your view of the risks you are exposed to. The limit of indemnity is the insurers maximum liability in respect of any one claim.
A special note of interest for air conditioning engineers is that if you use the direct application of heat e.g. blow lamps in your business, make sure that your public liability insurance includes this aspect of cover.
Do I need employers liability as an air conditioning engineer?
If you employ people in the United Kingdom this is a legal requirement and whilst the law demands a minimum limit of indemnity of £5M, policies are issued with a minimum limit of £10M. There are some exceptions to this requirement and further information may be found on our main employers liability insurance page.
Additional cover options for air conditioning engineers
The policy for public liability offers a great level of flexibility to you insofar as you are able to add additional covers to the policy to meet your needs. These include cover for business tools and equipment, hired in plant and contractors all risks insurance.The contractors all risks insurance for air conditioning engineers can be a very useful aspect of cover if you are engaged in larger installations at third party premises and can protect the value of the works on an all risks basis against loss or damage.
The majority of engineers probably do not require this cover. The professional indemnity insurance policy protects you against actions from clients in respect of a breach of professional duty in a professional service you have carried out such as providing advice, design or specifications for a fee. if you undertake work of this nature you should consider this insurance.