Insurance services available

  • SSR Combined - Liability schemes underwritten by QBE

We offer scheme-specific cover for electrical contractors and companies who conduct heating, ventilation, air conditioning and refrigeration activities.

The services provided by electrical contractors are often varied – whether that’s high voltage works, data cabling or testing and inspection, our scheme has been helping brokers protect their clients for years. Our extensive risk appetite means that we can consider a wide selection of activities conducted by electrical contractors.

We also offer bespoke cover for heating, ventilation, air conditioning (HVAC) and refrigeration contractors. Our scheme is aimed at companies conducting air-based heating activities and we have a restricted appetite for risks involving water-based heating or plumbing. If you are unsure whether your client’s risk profile will fit our appetite, give us a call to discuss with one of our underwriters.

You can find full details of the cover available in the policy summary and wording below, but significant benefits of our scheme including inefficacy up to the full PL limit, defective workmanship where there is damage to third party property or injury, damage to that part worked on for alarm, extinguishing or security services (this provides cover for damage to carpets being lifted, for example), financial loss (including products) and temporary removal of customers’ goods.

Although our scheme is liabilities led, we can also offer a full package of covers to include Commercial All Risks, Business Interruption, Contract Works, Professional Indemnity, Property Terrorism, Legal Expenses, Directors & Officers Liability and Fidelity Guarantee.

Insurance that covers...

  • Domestic, commercial and industrial electrical contracting (including work on security and fire protection systems)
  • 3 phase and high voltage work
  • Electric vehicle chargers
  • Data and Network cabling
  • Air-based heating, air conditioning and ventilation (HVAC)
  • Refrigeration
  • Audio/Visual
  • Security and Electrical fencing
  • Electrical testing, inspection and certification
  • PAT testing

Ready to get a quote?

In order for you to get the most out of SSR Combined, we encourage you to to sign up for our online quoting platform.

If you'd rather email an enquiry, you can contact us on the email below. 

Get an online quote


T. 0117 9300 100
E. info@ssr.co.uk

We’re the specialists

Electrical, Heating, Ventilation & Refrigeration

  • We are able to insure most companies operating in this sector, including cover for their ancillary activities, such as plumbing works where this forms a small proportion of the risk
  • Cover is available for companies operating at height or working in high risk environments or overseas.
  • Rates are dependent on number of years trading, claims experience, activities conducted and areas worked, with discounts available for trade association memberships and quality assurance standards.

Get an online quote

Arrange a call: 0117 930 0100

Broker Development Team

If you are looking for an account managed service, we have a dedicated and experienced Broker Development Team who are ready to discuss your needs. 

Broker Development Team

 

Product insights

“This product is aimed at electrical, air-based heating, ventilation, air conditioning and refrigeration contractors, but we do have a limited appetite for water-based heating and plumbing works under our Heating and Plumbing product, where these activities are incidental to your client’s business activities”

Product insights

“It is common for electrical and VAC contractors to use heat as part of the work process. Our wording covers the use of soldering irons and angle grinders as standard, but we also offer a Use of Heat extension to cover the use of apparatus with a naked flame.”

Product insights

“Some insurers do not have an appetite for 3 phase or high voltage work. We can cover this on our scheme, subject to additional underwriting information.”

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