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As a refrigeration engineer, both your professional advice and your practical skills are relied upon to make sure cooling systems are correctly installed and maintained.
If something goes wrong, you need refrigeration engineers’ insurance to protect your business - making sure you can cover compensation claims and legal fees, replace damaged equipment, or fix up your business premises. Potential clients may want to make sure you’ve got the right insurance in place before they work with you.
Whether it's public liability insurance to cover compensation claims or tools cover to protect your equipment, Simply Business lets you build a policy tailored to your needs.
Cover from £6.78 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.78 or less across all our trades insured. Based on data from 1 January - 30 June 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)Start your quote
The insurance you decide you need depends on the risks you want to cover, but these are some insurance types that are likely to be useful.
Professional indemnity insurance can cover you if you’re negligent or make a mistake in your work that causes your client to lose money. For example a fault in one of your designs means a refrigeration system doesn’t function properly, and your client claims compensation from you. Your professional indemnity insurance could cover the cost of the legal fees and compensation payment.
Public liability insurance protects you against compensation claims made by a member of the public for injury or damage caused by your business. For example while installing a refrigeration system, you drop a tool and damage the floor. Your client could sue you for the cost of repairing the damage, and your public liability insurance could cover the cost of compensation and legal fees.
Employers’ liability insurance is a legal requirement for most businesses that have staff. It can pay compensation claims if an employee sues you for work-related injury or illness.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
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