"Excellent service, as always. Thanks Primo plc for all your hard work."

At Primo plc, we like all our clients to feel this way

HVACR Insurance

Heating, Ventilation & Refrigeration Insurance

Insurance for heating, ventilation, air conditioning and refrigeration contractors, competitive premiums arranged with a full range of cover options to suit any sized business.

Arranged by Primo plc

Tailored Insurance

Primo plc can tailor a policy specifically for HVAC contractors who service and install heating, ventilation and air conditioning systems making sure you have the correct cover in place.

In the course of a working day, you could be on your way to a client whose system has broken down and needs repair or going to a work site to look at blueprints or design specifications to decipher the best way to install a new system from scratch.

You could be working in someone's home, office, school, hospital, shopping centre or a factory and working conditions can vary just as much, from working out in the open in all weathers to being indoors often in awkward or cramped conditions often connecting systems to fuel, water and power or be replacing defective parts.

When working on air conditioning and refrigeration systems, technicians follow strict regulations regarding the conservation, recovery, and recycling of refrigerants. This entails the proper handling and disposal of hazardous liquids.

In a lot of cases carrying out a contract will not be a one-man job and you may need to employ someone or call in a variety of specialist contractors. We understand and take into account all the variables when advising you on obtaining an HVACR insurance quote.

Start your quote here...

Public Liability

Protects you and your business financially against claims made by third parties for injury or loss or damage to property as a result of negligence.

Employers Liability

Employer's liability is a legal requirement in the UK whether you hire paid or voluntary staff on a permanant or temporary basis. There are some exemptions.

Products Liability

Product liability covers manufacturers, distributors, suppliers, retailers, and others who make or recommend products to their clients and are then held liable for any injuries the product causes.

Professional Indemnity

Covers your legal fees and compensation payments that may arise from a client taking legal action against you, this may be due to a mistake you made when providing professional services, advice or designs.

Your Broker

Always speak to a real person. You will have an assigned broker.


Our brokers ensure obtaining your insurance is simple and straightforward


Correctly covering your business gives you great peace of mind.

Frequently Asked Questions

  • Do I need public liability insurance?

    Whilst not a legal requirement we highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.
  • Is business insurance a legal requirement?

    Most business insurance is not a legal requirement, however, we do highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party or resulting fire, weather related incidents or a break in. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.

    The only insurance that your business is legally obliged to obtain is employers liability and vehicle insurance.

  • Can I pay in monthly instalments?

    You can pay monthly subject to your status and the size of the premium the credit charge and terms will vary.
  • What if I need to change my level of cover?

    As an existing client you can call or email us with any changes during business hours and get advice on the changes you wish to make.

  • If I need to make a claim who should I contact?

    First and foremost always contact your insurer, should you need assistance or advice following that call speak to your broker who will be happy to assist you where they can.

Business Vehicles

Comprehensive, third party, fire & theft or third party only cover arranged for your business' vehicles or commercial fleet.

Plant and Machinery

Consider adding annual insurance cover for owned or hired-in plant and machinery to your business cover.

Commercial Property

Do you need commercial property insurance in addition to liability cover? We can also arrange as a standalone policy.

Let's get you covered as quickly and simply as possible

Primo plc reviews

Primo plc Reviews

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Another year for me with Primo
Your review
Another year for me with Primo. Normally deal with Katheryn, quick and competent service and very reasonable. I no longer shop around for quotes, Primo are the best.
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1 of 1 people found the following review helpful
If everyone did as you do
Your review
Dealt with Katheryn and can honestly say she is a credit to this company.

Thouroughly explained well executed and she delivered on her promise.

Out of the 8 companies i contacted she was the only 1 who did the job right.

Thanks very very much for all your hard work.

If everyone did as you do without trying it wus be a much easier task to obtain insurance.

Warm regards katheryn.
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2 of 2 people found the following review helpful

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Copyright Primo Plc 2018 | All Rights Reserved

Primo plc is registered in England and Wales, Reg No 1008700 at Cumberland House, Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ
Tel: +44 (0)1702 225400

Primo Plc is authorised and regulated by the Financial Conduct Authority.