Expert insurance for air conditioning installers and air conditioning engineersStart your quote
Cover for your business, staff, tools and equipment
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Installing any kind of domestic or commercial air conditioning system will carry a certain element of risk, as you’re working with building structures and electrics. Make a mistake and the consequences could be very costly.
Any damage caused to the customer’s property or, even worse, any injury caused to the customer, could result in you facing a substantial claim for damages and legal bills if you are not adequately insured.Start your quote
Air conditioning installers insurance is a range of different types of cover – led by public liability insurance – that provides protection for your business from compensation claims due to accidents or property damage.
When you’re installing air conditioning units, especially commercial systems, you’re working with power and cutting tools, working at height, in cramped spaces, or working on building structures. So, it’s important to be prepared, and air conditioning installers insurance can help reduce the potential financial impact on your business in the event of a compensation claim if there is an accident or damage caused to the property, other than planned works required to fit the air conditioning system.
Examples of why air conditioning installers and air conditioning engineers need insurance include:
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Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com
At Caunce O’Hara we offer the opportunity to customise your insurance to meet your needs, including:
Property damage – You accidentally damage a customer’s property when carrying your equipment into the premises requiring the damage to be repaired. Or you might damage the actual ductwork you are commissioned to fit.
Injury to the general public – A passer-by, such as a member of staff, sustains an injury when debris falls and hits them.
Theft or damage to your tools and trade materials – Whilst installing air conditioning at a client’s premises, your van is broken into and your essential tools or materials are stolen.
Caunce O’Hara are experts for tradesman insurance. These are just a few of the reasons to choose us for your cover:
Quick online quotes
Complete our simple online quote form and get a quote in as little as 90 seconds.
Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.
Platinum rated customer service
Customer service has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.
Over 25 years’ experience
We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and contractors, which enables us to provide the cover you need.
The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our trades public liability insurance for air conditioning installers starts from £226.14* for £1million of annual cover, which we think represents real value for money.
* Price quoted is inclusive of Insurance Premium Tax at the current rate, and based on a domestic/small commercial air conditioning installer with 1 employee, 5+ years trading and no claims in the last 3 years.
As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:
The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.
|Insurance policy||Lowest excess||Highest excess|
|Public liability insurance||£250||£250|
|Employers’ liability insurance||£0||£0|
|Tools & trade materials cover (can only be purchased with the public liability policy)||£250||£250|
|Personal accident insurance||£0||£0|
|Professional indemnity insurance||£250||£500|
Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ, or affect the price.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch