Why Do I Need HVAC CONTRACTOR Insurance?
Whether you work on one project at a time or employ a team of HVAC engineers, your best bet is to get HVAC Contractors' Insurance. It will keep you, and your business financially secure should something go wrong, and you need to make a claim. If you ever have to claim on your insurance, Rhino's policies are there to help you stay out of the red!
Along with our popular Public Liability Insurance for HVAC Contractors, we also have come up with some amazing policy options to add to your core cover:
Employers' Liability Insurance
All limited companies that hire staff are required by law to hold employers' liability insurance. Even if you are a sole trader and have other manual workers working for you, having employers' liability insurance in place can be highly beneficial. If one of your employees somehow damages a client's property or injures someone, whether they are a customer, third party or public member, then your business will be covered if a claim is made. Also, if your employee themselves ever gets injured whilst on the job, the employers' liability insurance will protect you.
Professional Indemnity Insurance
Another excellent insurance option for HVAC Contractors can be Professional Indemnity Insurance. What is this, you ask? PI Insurance is there to protect you if your business offers any professional design or advice as part of your services. If a customer paid you to advise them on how best to air condition their property and something goes wrong, they could seek compensation for any damages or lost money if your work results in financial loss.
We can all make mistakes from time to time, and this insurance is there to eradicate any doubt. The policy can cover you up to £2 million and may just save your bacon if you ever find yourself having to make a claim.
Legal Expenses Insurance
Having legal cover in place can be vital. Legal expenses insurance is a very popular policy for self-employed individuals and business owners. If you work as a Heating, Ventilation and Air Conditioning engineer, there may come a time when you need legal representation. Whether you need a legal defence, guidance, assistance or help with your fees, we have the right insurance for you.
Our Legal Protection Insurance can offer to cover up to £50,000 and will save you a lot of sleepless nights if you are ever sued. Find out more from our tailored blog post here.
Personal Accident Insurance
Having cover in place should you injure yourself is commonly overlooked by the self-employed. If you work for yourself, you are bound to worry about what would happen to your finances should you get sick or have an accident and can't work. Let's imagine you break your hand skiing or catch a long-term bug.
We can offer business owners and self-employed HVAC Contractors Personal Accident Insurance. This will protect you if you get sick or injured and can't work. We provide you with a lump sum payment to pay your salary or any outstanding bills owed.
On top of this, we also have a handful of other excellent policy options, which you can find here.