Public liability, tools and contract works cover options for air conditioning and refrigeration technicians across Australia. Talk to a specialist trade broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Air conditioning and refrigeration work combines electrical components, refrigerant handling and work in roof spaces or plant rooms, where a mistake can mean property damage or a costly callback. Whether you’re installing split systems or servicing commercial refrigeration, Sol Insurance Brokers can help you explore cover options that reflect the risk you actually carry.
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Is designed to help protect you against claims for third-party injury or property damage arising from your work, including damage caused by installation or servicing defects, subject to policy terms.
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Relevant where you provide design or specification advice as part of your work, particularly where an error could result in financial loss.
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Cover for gauges, recovery units, refrigerant cylinders and other tools and business assets against risks such as theft, loss or accidental damage, subject to policy terms.
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Cover for utes, vans and service vehicles, including trade fit-outs and permanently attached equipment where applicable.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness, Workers Compensation, Cyber Insurance and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Property damage from refrigerant leaks, water damage or incorrect installation
Electrical and manual handling injuries when installing or servicing units in roof spaces and plant rooms
Damage to ceilings, walls or fit-out while running ductwork, piping or cabling
Subcontracting arrangements and insurance requirements imposed by builders and site operators
Theft or accidental damage to gauges, tools and refrigerant equipment kept in vehicles
Warranty and callback disputes if a system underperforms or fails after installation
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Cover can generally be structured around the mix of residential and commercial work you do. Let us know the range of jobs you take on and we can help you look at options that fit.
Tools, equipment and plant cover can include theft and accidental damage, often including tools kept in a locked vehicle. Conditions such as security requirements may apply, so it’s worth checking policy wording.
Subcontracted work can generally be considered when structuring your cover. Let us know the head contractor’s or site operator’s insurance requirements and we can help you explore options that meet them.
Public and products liability can respond to claims for property damage arising from your work, including damage that becomes apparent after the job is complete, subject to policy terms and conditions.
Requirements can vary by insurer and policy, and some liability policies may respond to claims involving refrigerant handling, subject to exclusions. We can help you understand what’s typically included and what isn’t.
It may be relevant where you’re responsible for work in progress, such as a multi-unit installation partway through. Contract works can help protect eligible installation work against insured events such as theft, fire and storm, subject to policy terms.
Tell us a bit about your business and one of our brokers will be in touch.
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