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Ductwork installers insurance

Join over 900,000 UK customers with public liability cover from £3.49 per month*

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Why do you need ductwork installers insurance?

Ductwork installers face a range of risks, from working at height to tool theft. That's where ductwork installers insurance comes in – it can protect you in case you have an accident, make a mistake at work, or an employee is injured. Having the right cover can give you peace of mind in case the worst should happen.

  • trusted by over 900,000 small UK businesses for flexible, tailored cover
  • compare cover from expert UK brands and protect your business
  • ductwork installers insurance online, from quote to claim

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What does ductwork installers insurance cover?

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone else’s property, caused by your work
  • injuries caused by you at work, or afterwards because of your work
  • accidental injury or damage caused by your employees (if you have any)

For example:

  • you accidentally knock your client’s car when parking up outside their house, causing damage to the paintwork on one side
  • a customer trips on a loose cable while on your premises, falling and breaking their arm in several places
  • an employee is mopping the floor, but forgets to put up a safety sign, causing an electrician to fall and injure their back

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your ductwork installation business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury that happens as a result of working for you (including temps and casual workers)
  • an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
  • a member of staff trips over while unloading business equipment, injuring their knee
  • a temp worker scratches their arm on one of your tools, and the injury becomes infected

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tool insurance?

Claims against your business for:

  • accidental damage to your tools and equipment
  • theft of the tools you use for your business
  • loss of your business tools

For example:

  • your tools are stolen from your car or van
  • you lose some expensive equipment on the way to a job
  • a flood causes irreparable damage to your tools

Read more about tool insurance

Own plant insurance

In case plant machinery, like excavators, you own is lost, stolen, or damaged.

What’s typically covered by own plant insurance?

Claims against your business for:

  • replacement of own plant machinery should yours be damaged or stolen
  • water damage to your own plant machinery
  • accidentally injuring someone else while you’re working, or afterwards as a result of the work you’ve done

For example :

  • an excavator is stolen during an overnight break-in at your works site
  • you drill through a water pipe while working on a construction site, causing extensive damage
  • your storage unit is flooded, damaging your cement mixer and generator beyond repair

Read more about plant machinery insurance

Hired-in plant insurance

In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.

What’s typically covered by hired-in plant insurance?

Claims against your business for:

  • expensive costs and charges, if hired equipment gets damaged, lost, or stolen
  • equipment that’s on-site or in transit
  • causing injury or property damage while you’re working, or afterwards following your work

For example :

  • there’s an overnight break-in at your work site and an excavator is stolen
  • you cause damage to a water pipe by drilling through it while working on site
  • a flood damages a hired cement mixer and generator beyond repair

Read more about plant machinery insurance

Contract works insurance

In case your building work in progress is damaged by something like a fire, flood or vandalism.

What’s typically covered by contract works insurance?

Claims against your business for:

  • repair costs for work that's been damaged or destroyed while on the job
  • labour, materials and tools that'll get your work back to the stage it was in before the damage
  • damage caused by fires, floods, storms, vandalism, or theft

For example :

  • there's a fire at your place of work, setting back the completion date of the job
  • a flood destroys your specialist equipment
  • someone breaks into your site and steals your tools

Read more about contract works insurance

Business interruption insurance

In case something is stolen or damaged and you lose income.

What’s typically covered by business interruption insurance?

  • you can’t trade because of stock, contents, or building damage

For example:

  • your work laptop is stolen or damaged and you can’t run your business

Read more about business interruption insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

Claims against your business for:

  • costs and expenses for legal representation to recover debts or unpaid invoices
  • costs and expenses following identity theft
  • tax protection if there’s an investigation into your business

For example:

  • one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
  • your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
  • HMRC is investigating your recent tax return as they noticed a fluctuation in your business income

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or away from work.

What’s typically covered by personal accident insurance?

  • compensation if you or an employee are injured in an accident, including weekly payments if you or they are unable to work for two weeks or more
  • virtual Medical Care service with unlimited 24/7 access to medical advice, consultations, referrals and prescriptions
  • 24/7 access to myStrength emotional health support app

You can buy this cover for:

  • yourself
  • your employees

For example:

  • imagine one of your employees breaks their leg in an accident and is out of work for six weeks. Personal accident insurance would provide £300 for the broken leg diagnosis. After the employee's second week off, you'd receive four weekly payments to assist with costs during their absence. You could use the money as you wish – whether for loss of earnings, hiring a temporary replacement, or compensating the injured employee.

What's not covered?

  • issues caused by sickness, illness, or disease
  • conditions that develop over time without a direct connection to an accident
  • mental illness, even if triggered by an accident
  • self-inflicted injuries
  • accidents that occur under the influence of drugs or misuse of medication
  • deliberate exposure to danger, except when attempting to save a life
  • injuries caused by taking part in a professional or semi-professional sport

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does ductwork installers insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.49 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

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*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

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How do insurance claims work for ductwork installation businesses?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

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  • Rated 4.8/5

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Ductwork installers insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

  • An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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