Nobody notices it until it stops.
Commercial insurance for air-conditioning and HVAC contractors of any size: a single installer, or a firm with a stores unit and engineers out daily.
Air-conditioning & HVAC insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Stock & materials
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is air-conditioning & HVAC insurance?
HVAC work puts you on roofs, in ceiling voids and inside other people’s buildings, handling refrigerant and cutting into structures that were fine before you arrived. When a system fails the customer notices immediately, and that’s true whether you install one split system a week or run a service department. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Where the work happens
Roofs, plant rooms and ceiling voids. Access is half the job and most of the risk.
The people doing the work
Your own engineers and any subcontractors you bring in. Both have to be declared.
The days you can’t work
If your stores is out of action, installs slip and service calls stack up.
Who it’s for
Whatever you install.
✓
Sole trader installers
One van, split systems and small commercial work.
✓
Commercial HVAC contractors
Offices, retail and larger building systems.
✓
Refrigeration engineers
Commercial refrigeration and cold rooms.
✓
Ventilation contractors
Ductwork, extraction and air handling.
✓
Service & maintenance firms
Planned maintenance and reactive call-out.
✓
Firms with a stores unit
Units and parts held in stock, engineers loading out daily.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, including in other people’s buildings.
Employers’ liability
Required by law once you employ anyone, however small the team.
Premises & contents
The stores, unit or office you work out of, and everything in it.
Business interruption
If your stores is out of action, installs slip. This covers the trading you lose.
Stock & materials
Units, ductwork and parts in the stores or the van.
Tools, plant & equipment
Gauges, recovery kit, power tools and equipment, in the van or on site.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by air-conditioning and HVAC contractors at any size, from a single installer to a firm with a stores unit and engineers. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Working at height
Roof-mounted plant means height work, which gets looked at more closely.
Refrigerant handling
F-Gas registration (the certification needed to handle refrigerant gases legally) and handling practice affect how the risk is viewed.
Cutting into buildings
Core drilling and penetrations through structures need flagging.
Service contracts
Ongoing maintenance carries exposure beyond the original install.
Every system is different.
A domestic split system and a rooftop chiller don’t carry the same risk. We ask different questions, and we’ll quote both.
Air-conditioning
HVAC contractors
Split systems
VRF systems
Refrigeration
Cold rooms
Ventilation
Ductwork
Air-conditioning
HVAC contractors
Split systems
VRF systems
Refrigeration
Cold rooms
Ventilation
Ductwork
Air handling units
Chillers
Heat recovery
Extraction systems
F-Gas registered
Service contracts
Reactive call-out
Commercial HVAC
Air handling units
Chillers
Heat recovery
Extraction systems
F-Gas registered
Service contracts
Reactive call-out
Commercial HVAC
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
A stores changes the risk
A van-based installer and a firm with its own stores (a stockroom that engineers load from each morning) carry different property and stock exposures. We ask which you are before we approach anyone.
02
Cover that reflects the access
Roofs, voids and plant rooms. We present height and access properly.
03
Certificates your contracts will accept
Agents and facilities managers want proof before you start. We turn it round quickly.
04
We present the risk right
Work mix, registration and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your air-conditioning cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
F-Gas registration and how you handle refrigerant shape how insurers view the risk, so tell us what you hold.
Ongoing service contracts carry exposure beyond the original install and should be on the policy rather than assumed.
We approach insurers on our panel who write air-conditioning and HVAC risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Air-conditioning questions, answered straight.
What insurance does an HVAC contractor need?
Does working at height affect my cover?
Does F-Gas registration matter?
Do service contracts need flagging?
Can my vans go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.