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Heating Contractors Insurance

Traesman is a very generalised term for a group of skilled and dedicated individuals covering everything from plumbing and electrical work through to construction, carpentry, roofing, and a host of other specialist trades. While in the vast majority of cases, a job will go without a hitch there are always those occasions when things don’t go quite according to plan.

In cases like this, whether it’s unintentional property damage (from muddy boots ruining a carpet to damage to the property itself), or missing deadlines on contracts, it’s important to make sure you’re financially protected from the possible consequences of various risks.

At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding tradespeople from across all disciplines the right kind of Contractors’ All Risks and Contract Works insurance cover for tradespeople, giving both sole traders, SMEs, and large building contractors the protection they need.

 

What does a Heating Contractor do?

Heating contractors install, service and repair heating units within a commercial building or a residence, including related duct and vent work. The fuel sources for heating equipment can be natural gas, LPG, electric, steam, solid fuel, coal, or fuel oil. Contractors may also sell the units they install. Many contractors also install, service, and repair air conditioners. While air conditioning units are normally electric-powered, they are charged with different coolants, some of which may be quite hazardous.

What insurance does a Heating Contractor need?

There are certain liability insurance covers that every trades and construction company should have, or are legally required to have. Tradespeople insurance policies provide you with essential covers, such as Public LiabilityEmployers LiabilityContract Works and Tool Cover.

Minimum recommended cover: Machinery and Contents, Employee Dishonesty, Contractors Plant and Equipment, Goods in Transit, Contract Works, Public/Product Liability, Employee Benefits Liability, Excess of Loss/Difference in Cover Liability, Motor Liability, Employers’ Liability

Other covers to consider: Building, Business Interruption with Increased Expenditure, Book Debts, Computers, Deeds and Documents, Employment Practices Liability, Environmental Impairment Liability

This short video outlines some of the risks associated with tradesman and the construction industry.

Property insurance

Property exposures at the heating contractor’s own location are generally limited to those of an office, shop, and storage of materials, equipment, and vehicles. Operations may also include retail sales. The fire exposure is generally light unless repair operations involving welding take place on premises. Welding involves the use of tanks of gases that must be stored and handled properly to avoid loss. The absence of basic controls such as chained storage in a cool area and the separation of welding from other operations may reflect a significant concern.

Property liability

Premises liability exposures at the contractor’s office or shop are generally limited due to lack of public access to the premises. Retail sales increase the possibility of customers slipping, falling, or tripping. During installation, electrical voltage must be turned off at the job site in order to reduce the risk of electrical burns or electrocution to others entering the area, and turned back on after work stops, all while minimising any disruption of electrical service to other homes or businesses in the vicinity. Welding presents potential for burns or fires if not conducted safely. The contractor’s employees can cause damage to the client’s other property or bodily injury to members of the household, the public, or employees of other contractors. Tools, power cables, and scrap all pose trip hazards even when not in use. If there is work at heights, falling tools or supplies may cause damage and injury if dropped from ladders, scaffolding, cranes or helicopters. Pressure-testing of boilers and other pressure vessels can result in explosions or fire.

Public & Products Liability

Completed operations liability exposures can be severe due to improper wiring or earthing. When a heating unit malfunctions, the cause may be difficult to determine. Specialists may have to be hired to determine whether it arose from improper operation and maintenance, faulty system design, faulty manufacture or faulty installation. Quality controls, including work order documentation, and employee training, background, and experience are important. Boiler work, LPG units, and wood burning units have high products liability exposures. Improperly installed heating units pose potential injury to tenants and their customers within buildings due to exposure to carbon monoxide and other fumes or gases.

Environmental Liability

Environmental impairment exposures may exist if the contractor is responsible for the disposal of old insulation and the use, transport, and disposal of fuels and related pollutants. Proper written procedures and documentation of both the transport and disposal process is important.

Motor vehicle insurance

Motor vehicle exposures are generally limited to the transport of workers, equipment and supplies to and from job sites. Hazards depend on the type and use of vehicles and radius of operation with the main hazards being upsets. Vehicles may have special modifications or built-in equipment such as lifts and hoists. Large heating systems may be awkward and require special handling and tie-down procedures. Age, training, experience, and drivers’ records, as well as the age, condition and maintenance of the vehicles are all important items to consider.

Employers’ liability

Employers’ liability exposures vary based on the size and nature of the job. Both residential and commercial work involves lifting, work with hand tools, wiring, and piping. Cuts from the fabrication and installation of sheet metal for ducts and vents are common. Lifting injuries such as hernias, strains and sprains plus back injuries may occur. Electrical burns are common; electrocution can occur from the use of high-voltage lines. Any time work is done above ground, injury or death from falls and being struck by falling objects can occur. Slips and falls, foreign object in eyes, major and minor burns, and inhalation of fumes are all potential hazards. Complications from the large, heavy machinery and their use, misuse, maintenance, and transport have unique hazards. Welding may be done in confined spaces; proper ventilation and fire protection are essential to prevent injury to workers. In repair and reinstallation operations, workers may come in contact with old insulation to be removed, some of which may include asbestos. Procedures must be in place to identify and handle this exposure.

Careful consideration must be given to the type of boilers, the fuel used and the services the insured provides. Pressurised vessels present unique hazards with potentially severe losses.

What risks does a Heating Contractor face?

Other exposures include contractors’ plant and equipment, such as ladders and scaffolding, hoists, and portable welders, the transport of materials, and contract works. Goods in transit consist of tools and equipment as well as products purchased by the customer for installation at the job site. Heating units can be of high value and susceptible to damage in transit; they frequently require expertise in loading to prevent load shift or overturn. Machinery, tools, or building materials left at job sites are exposed to loss by theft, vandalism, damage from wind and weather, and damage by employees of other contractors.

Contractors may hire, lease or borrow equipment from others or hire out, lease or loan their owned equipment to others, which poses additional risk as the operator may be unfamiliar with operation of the borrowed item. If large or suspended heating units are lifted by cranes to roof tops for installation or dropped into place by helicopters, the units could be damaged from drops and falls. Since an accident may trigger both the equipment and installation covers, as well as possible third-party liability, many contractors prefer to hire a crane or helicopter with a licensed operator.

How can Business Insurance Service help Heating Contractors?

Whether you’re a sole trader or a small to large company, your insurance portfolio has to be up to date and provide you and your business with the right level of protection. Rather than trying to find Contract Works Insurance or tradesperson insurance by hunting through countless websites, let us or our website do it for you.

We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.

As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for businesses, tradespeople and construction companies. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.

A fully accredited service delivered by professional brokers

To find out more about insurance for Heating Contractors call us on 01273 789 979

Email us at hello@businessinsuranceservice.co.uk

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    We’re members of the British Insurance Brokers Association and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.