Plumbing And Heating Engineers (Ex Air Con) - Domestic/Small Commercial Only Insurance

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Insurance for plumbing and heating engineers working in homes, landlord properties and smaller commercial premises while excluding air conditioning work.

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Domestic and small commercial plumbing and heating engineer insurance excluding air conditioning

This cover is shaped around plumbing and heating work in homes and light commercial premises, with air conditioning installation, servicing and repair excluded from the declared trade.

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Plumbing and Heating Engineers Ex Air Con

This page is for plumbing and heating engineers working mainly in homes, flats, landlord properties, shops, offices, salons, surgeries, cafes and similar small commercial premises, where air conditioning work is not undertaken.

The activity can include plumbing repairs, heating installation, servicing, maintenance, fault finding, leak response, radiators, cylinders, pumps, valves, heating controls, pipework, bathroom plumbing and any Gas Safe work that is declared to insurers.

Who This Page Is For

  • Plumbing and heating engineers excluding air conditioning work.
  • Contractors working for homeowners, landlords, letting agents and local businesses.
  • Small teams handling domestic and small commercial plumbing, heating, repairs and call-outs.
  • Engineers fitting or repairing pipework, radiators, controls, cylinders, pumps, valves and heating systems.

What Cover Can Include

  • Public liability for injury, escape of water, leaks, fire allegations, access damage and customer-property claims.
  • Employers' liability for employees, apprentices, labour-only subcontractors and supervised workers.
  • Tools, testing equipment, parts, materials, stock, goods in transit and contract works cover.
  • Products liability for supplied pipework, fittings, valves, controls, radiators, cylinders, pumps and heating parts.
  • Commercial vehicle, business interruption, legal expenses and professional indemnity where required.

Ex Air Con and Small Commercial Risks

Claims can involve water damage, failed joints, loss of heating or hot water, hot works, carbon monoxide allegations, damaged flooring or decoration, emergency call-out disputes, faulty parts, tool theft and disagreements over diagnosis or completed work.

Air conditioning, HVAC and refrigeration work should be declared separately if undertaken, because excluding air con from the trade description means those activities should not be assumed to be covered.

Plumbing and heating engineers ex air con domestic and small commercial insurance

Insurer Questions

  • Is all air conditioning installation, service and repair excluded?
  • What percentage of work is domestic, landlord or small commercial?
  • What is the split between plumbing, heating, gas and related work?
  • Do you undertake hot works, boiler work, drainage or larger site work?
  • What tools, testing equipment, parts, materials and subcontractors are involved?

Finished Premises and Water Damage

Homes and small commercial premises often contain finished flooring, stock, furniture, technology and customer belongings. Escape of water and accidental damage wording should be reviewed carefully.

Keep the Air Con Exclusion Clear

If the business later starts HVAC, air conditioning or refrigeration work, the policy should be reviewed before that work begins so the trade description stays accurate.

Related Contractor Pages

PLUMBING AND HEATING ENGINEERS EX AIR CON DOMESTIC INSURANCE FAQS

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What does this plumbing and heating engineers insurance cover?

It can include public liability, employers' liability, tools, materials, products liability, contract works, goods in transit, commercial vehicle, professional indemnity and business interruption depending on the work carried out.

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What does ex air con mean?

It means air conditioning installation, servicing and repair are excluded from the declared trade. Any air conditioning, HVAC or refrigeration work should be declared separately.

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Who is this page for?

It is for plumbing and heating engineers working mainly in homes, flats, landlord properties, shops, offices, salons, surgeries, cafes and other small commercial premises.