Electrical, Heating, Ventilation, Air Conditioning, Plumbing & Gas-Fitting Companies Insurance Scheme

Customise your policy with our flexible scheme for Electrical, HVAC, Plumbing & Gas-fitting contractors.
We have the right policy for you

Summary of Insurance Covers

(Proposal forms and comprehensive guide can be downloaded using the links on the right)

The Insurance Scheme is underwritten by International Insurance Company of Hannover Limited and Amlin (UK).
The policy consists of two sections:

Material Damage

Under this section the Insurers will indemnify your company against all sums which you shall become legally liable to pay as damages arising out of accidental injury to any person or damage to property in connection with your business.
Cover includes:
PRODUCTS INEFFICACY - Under this extension, cover is provided for any liability arising from the failure of any product to fulfil or perform its intended function.

DEFECTIVE WORKMANSHIP – This provides cover for the costs of rectifying defective work or defective products
where such work or products have caused bodily injury or damage to property.

DAMAGE TO PROPERTY BEING WORKED UPON – Cover in respect of premises and their contents temporarily in
your custody, possession or control for the purpose of undertaking work.

CONTRACTUAL LIABILITY – This extension provides cover for any liability arising out of the performance of a contract or agreement.

OVERSEAS PERSONAL LIABILITY – This provides cover for liability incurred by your directors or employees, including any accompanying spouse or child, in a personal capacity for accidental bodily injury or loss of or damage to property occurring during temporary business visits to a country outside the United Kingdom.

PROFESSIONAL INDEMNITY – This optional extension provides cover for liability claims arising out of professional advice given for a fee or services performed by you or on your behalf in the course of the conduct of your business.

A full explanation of the above will be provided on request.
THE PUBLIC AND PRODUCTS LIABILITY SECTION COULD ALSO INCLUDE THE FOLLOWING EXTENSIONS:-

  1. Cross Liabilities
  2. Legal Costs and Expenses
  3. Defective Premises Act 1972
  4. Leased and Rented Premises
  5. Motor Contingency Liability
  6. Indemnity to Principal
  7. Compensation for Court Attendance
  8. Health and Safety at Work and Corporate Manslaughter Defence Costs

2) Employer's Liability

This insurance is required by law and provides cover for legal liability in respect of Accidental Death, Bodily Injury or Disease your employees arising out of and in the course of his or her employment. 

Cover includes:
1) Compensation for Court Attendance
2) Health and Safety at Work and Corporate Manslaughter Defence Costs
3) Unsatisfied Court Judgements
4) Employees Unsatisfied Damages

A full description of the covers is incorporated in the Policy document which we can provide on request.  All the above covers are subject to the Limits of Liability, excesses, terms, conditions and exclusions stated in the quotation and schedule of the policy.   

We would be pleased to provide quotations for this insurance on receipt of the relevant details.
Please contact us in this regard and we will send you the proposal forms.

We can also arrange for the following types of insurance:-

  1. Personal Accident
  2. Cash in Transit
  3. Buildings Contents and all Risks
  4. Legal Expenses
  5. Directors and Officers Liability

Electrical Contractors Insurance, Heating & Ventilation Contractors Insurance, Plumbing Contractors Insurance, Air-conditioning Contractors Insurance, Gas-fitting Contractors Insurance