Can I arrange Air Conditioning and Refrigeration Insurance myself?

When sourcing insurance for yourself, you are taking it upon yourself to understand the complexities of the policy wording and ensure it’s right for you and your business. If you do need to make a claim, you will have to deal with the insurer first-hand.

By using a specialist insurance broker, they will highlight the key areas and exclusions within the cover. They will also work on your behalf with the insurer should you need to make a claim.

Rather than using a generic broker, it’s vital to work with people who understand your business and the intricacies of the covers required. This enables them to ensure the specifics of the policy wordings are right for you. By scouring the market on your behalf, they will be able to find you the right cover at the right price.

What does Air Conditioning and Refrigeration Insurance need to include?

Every insurance policy is different and should be tailored to your business. Specialist policies specifically for the Refrigeration and Air Conditioning Industries are available and these can include the following:
Damage to Property Being Worked Upon – Covers for the actual system or item being worked upon i.e Damage to the actual existing air conditioning system you are servicing / maintaining.
Pure Financial Loss Cover – Cover for loss of business claims from your customers due to closure of their business arising from something you have done.
Failure to Perform/Fulfil Function – Refrigeration system fails to operate resulting in potential food poisoning/deterioration of stock claims.
Cover to work on the right premises – Domestic/Commercial and Industrial – Being aware of what an insurer defines as industrial (it often includes schools/hospitals etc)
Professional Indemnity – Covers rectification from errors and omissions including design and specifications drawn up by you.
Certification – Liability arising from issuing commissioning and energy efficiency paperwork and certificates.

Our policy has been specifically extended to cover these exposures and protect our contractors.

Every business owner has unique insurance needs. At Cool Cover, we deal with insurance specifically related to your industry every day, allowing us to stay on top of the ever-changing insurance market. Whether it be residential or commercial HVAC installation, big or small, we can match you with a market-leading insurance company best suited to meet your HVAC insurance needs.

Don’t risk everything you worked for. Let us examine your business and tailor a heating insurance package and policy that is both comprehensive and affordable.

To discuss your insurance needs, please call Cool Cover on 0207 101 4941.