Protecting your heating and ventilation business
We all know that accidents happen when you least expect, but simple mistakes in your line of work can turn into costly claims. With Premierline, you can compare quotes from a panel of trusted insurers to get the right protection in a matter of minutes.
We’ve made it easy to protect the business you’ve worked so hard to build. If you know the covers you need you can compare quotes and purchase your heating and ventilation contractor insurance online in just a few minutes. Alternatively, if you’re looking for professional insurance advice then call and speak to one of our expert advisors who’ll make insurance recommendations tailored to you.
Covers for heating and ventilation engineers
Public liability insurance
When you’re working with water, electricity and gas, a small mistake could turn into a costly claim. Public liability insurance offers financial protection against accidental damage to property or accidental injury to third parties. This means that if a customer fell over your toolbox and claimed compensation for an injury, the costs can be taken care of. Similarly, if you accidentally cause water to escape from a pipe that causes damage to someone’s house, repairs will typically be covered up to the amount of cover you select.
Employers' liability insurance
If you have staff or someone to help on a temporary basis, you’ll need to take out employers’ liability insurance. Not only will this fulfil your legal obligation to protect your employees, but it will also cover any compensation awards and medical costs if they had an accident at work and pursued a claim against you. Both of these covers can be combined into one easy to buy ventilation and heating engineer insurance policy that’s tailored to your needs.
Professional indemnity cover for heating engineers
If you undertake the design and installation of a heating and ventilation system, you should also consider professional indemnity insurance to cover you for legal costs and expenses incurred in your defence, as well as any damages or costs that may be awarded, if you are alleged to have provided inadequate advice, services or designs that cause your client to lose money.
Tool insurance for heating engineers
Your tools are pivotal to your ability to work. If your tools were lost or stolen you could find yourself unable to trade. For instance, let’s say your tools were stolen from your vehicle; an all too common incident when it comes to contractors’ tools and equipment, then tool cover will typically cover the cost of replacing them meaning you can continue to run your business and serve your customers as planned.
Contract works insurance for heating engineers
If you’re taking on more complex work, then contract works cover could be more appropriate, which can cover the plant being installed as well as machinery and much more. If you’re unsure of what you need to protect your equipment give us a call. Our expert advisors are on hand to help you find the right cover for your business.
Personal accident insurance for heating contractors
While being self-employed comes with many advantages, it’s important to consider the financial risks of working for yourself. For instance, if you had an accident that left you unable to trade, your income could take a hit. Personal accident cover can offer a weekly income to tide you over until you’re back on your feet again.
Comprehensive heating engineers insurance
Here at Premierline, we’re committed to helping you find the right heating engineer insurance to protect your livelihood against the unexpected. We’ll source a variety of quotes to help you get the right cover at the right price, giving you peace of mind to focus on what really matters – your business.