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Air Conditioning Installers Insurance

Expert insurance for air conditioning installers and air conditioning engineers

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Cover for your business, staff, tools and equipment

Quick online quotes in less than 90 seconds

Rated 4.7 out of 5 by our customers on Feefo

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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.

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What is air conditioning installers insurance?

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.


Why do air conditioning installers need insurance?

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:

  • You’re working with sharp edged materials, power tools, and large pipework and ducting materials. All of these can potentially cause accidents, injuries, or be hazardous to your health. Personal accident insurance will cover you for a loss of earnings if you suffer an accidental injury or illness as a result of your work and need to make a claim.
  • You’re carrying your kit into your customer’s premises and you accidentally damage property in the process which requires repair. Public liability insurance will cover you for the cost of the claim to put the damage right again.

Why choose Caunce O'Hara for your insurance?

As trades insurance experts, we're your number one choice for your business protection.

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Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently asked questions about air conditioning installer insurance

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.

Affordable protection

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:

  • Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
  • Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
  • Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
  • Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
  • Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
  • Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
  • Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

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 policyLowest excessHighest 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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Call 0333 321 1403

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.

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Contact Caunce O'Hara for your business insurance today