Public liability insurance for heating and ventilation contractors

Heating and ventilation contractors covers a range of different jobs and expertise. That's why it is important to get business insurance that is tailored to your specific needs and risks.

With Simply Business, you can get public liability insurance, and if necessary, employers’ liability insurance. You can also add optional covers such as tools and contract works, creating one competitively priced policy just by using our quick and simple form.

Building your business insurance policy

These core insurance covers should help you get started:

Public liability insurance – important for all building trades, it will cover the cost of a claim if a member of the public is injured or killed, or if their property is damaged because of your business.  Simply Business offers a minimum of £1 million in cover, up to £10 million.

Employers’ liability insurance – if you have employees or hire contractors, casual workers or temporary staff, you are required by law to take out employers’ liability cover. It will pay the cost of a claim from an employee who has been injured at work, or who has become seriously ill as a result of working for you.

Details to look out for

• Check the policy documents for exclusions and excess before you buy.
• You need employers’ liability from the first day an employee works for you.
• Consider buying insurance for your van with us too, so you can keep your business insurance policies in the same place.