Public Liability Insurance for Air Conditioning and Heating Technicians - Contractors Insurance Australia

February 13, 2020

People want to be comfortable during the summer and winter months which is why air conditioning and heating technicians are always in demand. Of course, your work isn’t without it’s risks. Whether you’re installing or fixing air conditioning or heating units, damage or injury to a third party can easily occur. So, how do you protect your business from these risks? Well, that’s where public liability insurance comes in.

What is public liability insurance?

Public Liability Insurance can protect contractors against outstanding costs associated with damages to third party property or injury to third party persons as a result of performing their daily work. It also covers your legal costs if you need to hire a lawyer during the claims process. Costs associated with a claim can run from a few hundred dollars for minor claims to millions of dollars in the case of an extreme or serious fatal situation. Just some of the costs you could be liable for following a claim include medical bills, rehabilitation costs, repairs and replacements – all of which can have a serious financial impact on your business without insurance in place.

Why is public liability insurance important?

Without public liability insurance in place, you need to pay for third party damage or injury with your own money following a claim. This can be financially disastrous in your business and in some cases has such a financial impact that you won’t be able to operate. While public liability insurance isn’t a legal requirement for air conditioning and heating technicians in Australia, it’s highly recommended. In some cases, an employer will require a Certificate of Currency verifying that you have liability insurance in place and you won’t be able to enter some worksites without it. This is particularly the case for mine sites.

How much will public liability insurance cost?

There are a number of factors that an insurer will consider when it comes to calculating your liability insurance premiums. These include the type of work you undertake, whether you have employees, the location of your work, the turnover of your business and your claims history. Your premiums wlll also depend on what level of cover you require. Remember not to settle for the cheapest premiums you come across – you need to be confident that you have good quality cover in place so you’re not caught out at claim time.

As a contractor, it’s essential that you have the right level of business insurance in place and we understand that you want this process to be as simple as possible. That’s why Contractor Cover have combined the most common forms of insurance cover into one convenient package – no more messing around with multiple policies.

To learn more about insurance cover for air conditioning and heating technicians, contact Contractor Cover today on 1300 438 268.

Nastasiya dromgool

General Advice Warning – retail clients *

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness. You should also consider our disclosure documents, which include our Financial Services Guide (FSG) and Product Disclosure Statements (PDS) for some products.
*Retail clients are individuals or those purchasing an insurance product for use in connection with a small business where the product is a designated retail product (eg motor vehicle, home buildings, home contents, personal and domestic property, sickness and accidental and travel insurance). All other clients are wholesale clients.

We are a member of the Australian Financial Complaints Authority (AFCA). If you have a complaint and it is not resolved to your satisfaction by us, you have the right to refer the matter to the AFCA. The AFCA can be contacted at:

Mailing address
Australian Financial Complaints Authority, GPO Box 3, Melbourne, VIC 3001

Ph – 1800 931 678
Email –
Website –

Website By Cohesion Co.

Contractor Cover is a registered trading name of
Elliott Australia Group Pty Ltd
AFSL 418512
ABN: 81 153 685 922
© Contractor Cover – Insurance for Contractors in Australia