HVAC Insurance

At Higos we know that not all contractors are the same. We also know that even within your own trade you’re dealing with a wide variety of jobs across a broad range of domestic and business customers. That’s why we’ll never try and sell you a ‘one size fits all’ solution, instead we provide cover that’s as individual as you and the services you provide.


You take care of your customers, we’ll take care of you

Our comprehensive cover is specifically designed for electrical, heating and ventilation (HVAC) contractors so it’s tailored to your exact needs. Our highly skilled team will take time to understand you and your work and we have the knowledge, expertise and dedication to assess your risks and find a policy that mitigates them.

Unlike many policies of this type, our HVAC insurance covers you for a variety of common exclusions and restrictions, together with other benefits that aren’t widely available, such as Legal Arbitration cover and free Collateral Warranty. We also offer HR and Risk Management – all at a cost that is generally lower than a non-specialised policy.

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Exceptional claims management when you need it most

Accidents happen and you can be sure our claims team will always fight your corner. Should you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need, get your claim settled quickly and smoothly and recover your losses. So you can keep your business running with the minimum of disruption.

For bespoke advice, award-winning underwriting and exceptional claims management, it has to be Higos.


For independent advice or a quotation for your business

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Our bespoke HVAC cover includes:

  • Heatwork
  • Defective workmanship
  • Efficacy cover
  • Financial Loss
  • Push fit
  • Contractual Liability
  • Sub-contractors cover
  • Renewable energy and solar installation

For independent advice or a quotation for your business

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Free mid-term review

Even if your policy isn’t due for renewal now, we’d be happy to offer you a free, no obligation assessment of your current levels of cover.

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