Insurance FAQ’S

The type of insurance HVAC contractors typically have depends on how they operate and the work they perform. Common coverage can include Public and Products Liability insurance for third party injury or property damage, Tools of Trade insurance for tools and equipment, Commercial Motor Vehicle insurance and Workers Compensation if you employ staff. Additional cover may be needed depending on your contracts, locations and business activities.

Public and product liability insurance is designed to cover claims for property damage or bodily injury caused to third parties as a result of your installation work or the products you supply. For example, if an air conditioning unit you installed causes water damage to a client's property, or faulty installation leads to injury, this type of cover may respond. The specific scope of cover, including any applicable exclusions, is set out in the policy wording.

Public Liability insurance is not a legal requirement for all HVAC engineers in Australia, but it is commonly expected and often required in practice. Many clients, property managers and commercial contracts require HVAC contractors to hold a minimum level of Public Liability cover before they can carry out work on site. The cover is designed to protect against claims for bodily injury or property damage caused to third parties in connection with your business activities.