Insurance for Air Conditioning Installation

If your business is involved in air conditioning installation, maintenance, or repairs, you’ll know just how many risks there are associated with your work.  

What you may not know is what insurance you need if an unforeseen incident occurs.  

That’s where Insurance Web comes in. We provide personalised advice and recommendations on the best insurance coverage for your business.  

Get in touch with our team today to find out more. 

Call 1300 800 091

Risk Exposures for Air Conditioning Installers

For businesses involved in household air conditioner installation, repairs, and maintenance, the three biggest risk exposures are: 

  • Product & Public Liability 
  • Tools and Equipment 
  • Professional Indemnity 

Key Insurance Requirements for Air Conditioning Installers

Product and public liability

To protect yourself against any potential incidents that happen to third parties.

Tools and equipment

Get cover for loss of tools or equipment through damage or theft.

Motor vehicles and trailers

Insure against potential accidents or damage to your business vehicles.

Professional indemnity

Protect your business if it gives professional advice to clients or delivers a service where the client relies on your professional advice.

Product and Public Liability Insurance

Product and public liability insurance are paramount for businesses and contractors involved in installation, maintenance and repairs of air conditioners.  

Public liability insurance can cover damage to a third-party property and business interruptions during installation. Whereas, product liability can insurance cover damage or injury to a third-party if the product fails after installation, causing resultant damages.

Professional Indemnity Insurance

If your business provides professional advice about system design, or selects the system or materials, it’s likely you’ll need professional indemnity insurance.  

It can cover the cost of damages or your legal defence in the event a mistake by you – or an employee – that caused financial loss to a third party.  

Your professional indemnity insurance coverage will vary depending on the exact work you carry out during the installation process.  

Things to Look for in an Insurance Broker


Don’t get caught out with not enough coverage for your expensive tools – especially when they’re kept in your car!  

We strongly recommend considering ‘theft in open air’ coverage for all trades. 

Tools Insurance for Air Conditioning Businesses

If you need functioning tools to get your job done properly and safely, then tools insurance is a must-have. 

We find those involved in air conditioning installation and maintenance insure: 

  • Cordless Drill 
  • Refrigeration gauges 
  • Refrigerant scale 
  • Recovery unit  
  • Nitrogen regulator 
  • Leak detector 
  • Vacuum pump  
  • Tubing cutter 

Book a FREE 30-minute consult

with your local insurance broker representative, Insurance Web.

We’ll go through your personalised Needs Analysis – no strings attached – and we’ll check whether your business is underinsured or if you’re paying for coverage that isn’t relevant.

Insurance for air conditioning installation doesn't need to difficult or overwhelming!

We're Local

We’re based in Strathpine on the northern outskirts of Brisbane, servicing a large area. We work hard to ensure you know we’re on your side and have your best interests in mind when organising your insurance cover.

Industry Expertise

We work with hundreds of small business clients across a wide range of industry. We know exactly what insurance you do – and don’t – need for your line of work. We recommend insurance policies that don’t leave your business exposed.

We Negotiate For You

Insurance Web take the hard work out of your small business insurance. We have the ability to quote up to 10 insurers – and negotiate with them – to get you the best policy and give you peace of mind.

Claims Help

We know that making a claim could be a stressful time for you and your business but we are here to ensure it is a smooth and easy process if the need ever arises. We’ll manage and follow up your claim from lodgement to resolution.

Get Started Today!

The first step is to book a FREE 30-minute face-to-face consultation. No strings attached. We’ll go through your personalised Needs Analysis, and check whether your business is underinsured or if you’re paying for coverage that isn’t relevant.

To claim your free consult call us on 1300 800 091, or fill our our form and we’ll be in touch.

Air Conditioning Installation Insurance Articles

Need help with your Insurance?

If you carry out air conditioning installation, maintenance and servicing, having the right insurance in place is important.  

Talk to our team about getting the coverage that’s right for you without the stress or hassle.