Plumbing And Heating Engineers (Ex Air Con) Insurance

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Insurance for plumbing and heating engineers where air conditioning installation, servicing and repair are excluded from the trade description.

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Plumbing and heating engineer insurance excluding air conditioning

Plumbing and heating engineers excluding air conditioning can still face escape of water, hot works, gas work, plant room, customer property, tools, products liability and contract works exposures.

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

Insurance for Plumbing and Heating Engineers Excluding Air Conditioning

Plumbing and heating engineers ex air con insurance is for contractors whose work combines plumbing and heating, but does not include air conditioning installation, servicing or repair. It can suit businesses working in homes, landlord properties, small commercial premises, larger commercial sites, plant rooms and managed property.

The trade description should reflect the actual work carried out, including pipework, valves, pumps, cylinders, radiators, boilers, heating controls, plant rooms, water systems, bathroom plumbing, commercial washrooms, servicing, repairs, call-outs and any Gas Safe activities.

Who This Page Is For

  • Plumbing and heating engineers who do not carry out air conditioning work.
  • Contractors working for homeowners, landlords, managing agents, facilities managers and commercial clients.
  • Engineers handling installation, servicing, repairs, maintenance, fault finding and emergency call-outs.
  • Businesses using employees, subcontractors, specialist testing equipment, hired-in plant or contract materials.

What Cover Can Include

  • Public liability for injury, escape of water, leaks, fire allegations, access damage and third-party property damage.
  • Employers' liability for employees, apprentices, labour-only subcontractors and supervised workers.
  • Tools, testing equipment, plant, parts, stock, materials, goods in transit and contract works cover.
  • Products liability for supplied pipework, fittings, valves, controls, radiators, cylinders, pumps, boilers and heating parts.
  • Professional indemnity where you design, specify, advise, commission, certify or report on plumbing and heating systems.

Ex Air Con Risk Presentation

Ex air con should be made clear to insurers. Air conditioning, HVAC or refrigeration installation, service and repair can change the risk profile and should not be assumed to be covered unless declared and accepted.

Claims can still involve water damage, heating failure, hot works, carbon monoxide allegations, fire or overheating allegations, failed joints, damaged floors or decoration, plant room incidents, faulty parts, delayed completion, tool theft and contract disputes.

Plumbing and heating engineers ex air con insurance

Insurer Questions

  • Is air conditioning installation, service and repair fully excluded?
  • What is the split between plumbing, heating, gas and related work?
  • What percentage of work is domestic, small commercial or large commercial?
  • Do you undertake hot works, height work, plant room work or design responsibility?
  • What contract values, tools, plant, stock, materials and subcontractors are involved?

Exclude Air Con Clearly

If air conditioning or HVAC work is not undertaken, stating that clearly can help insurers rate the plumbing and heating exposure more accurately.

Water, Heat and Contract Conditions

Escape of water, hot works, gas work, shutdown planning, site rules and contract conditions can still shape the cover needed even where air conditioning is excluded.

Related Contractor Pages

PLUMBING AND HEATING ENGINEERS EX AIR CON INSURANCE FAQS

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What does plumbing and heating engineers ex air con insurance cover?

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

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What does ex air con mean for insurance?

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

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What information helps insurers quote?

Insurers usually ask about the plumbing and heating work split, premises types, gas work, hot works, plant rooms, contract values, subcontractors, tools and materials values, turnover and claims history.