Specialist Insurance for All TrustMark Registered Trades – Powered by SRS Insurance
Specialist Insurance for All TrustMark Registered Trades – Powered by SRS Insurance
SRS Insurance provides specialist, TrustMark-compliant insurance for all trades including insulation, electrical, heating, plumbing, retrofit, building and ECO4 contractors. Audit-ready cover with no dangerous exclusions.
Why TrustMark Approved Installers Need Specialist Insurance
Many installers — even highly skilled ones — unknowingly hold insurance that fails TrustMark audits because their policy contains dangerous exclusions.
Common problems we fix every day:
- Policies excluding advice, design, specification or reporting
- No cover for retrofit risks (condensation, moisture, thermal issues)
- Tradesmen PL policies that exclude specialist works (EWI, boilers, electrical etc.)
- Incorrect Professional Indemnity (PI) for PAS 2035 roles
- No cover for eco measures, heating controls, or renewables
- Public Liability limits below TrustMark requirements
- No cover for subcontractors or multi-trade activities
These issues can result in:
- Audit failures
- Suspension from the TrustMark register
- Rejected claims
- Loss of ECO4 or GBIS funding
- Financial ruin due to uninsured liability
SRS Insurance ensures full compliance, protection and peace of mind.
Insurance for Every TrustMark Approved Trade
TrustMark covers over 50 categories of trades, and SRS Insurance supports them all.
We provide specialist insurance for:
Insulation & Retrofit
- External Wall Insulation (EWI)
- Internal Wall Insulation (IWI)
- Cavity Wall Insulation (CWI)
- Loft & Floor Insulation
- Room-in-Roof (RIR)
- Hybrid & Innovation Measures
- Retrofit Assessment
- Retrofit Coordination (PAS 2035)
- Retrofit Design
Heating, Plumbing & Renewables
- Gas engineers
- Boiler installers
- Air Source Heat Pumps (ASHP)
- Heating Controls & Smart Controls
- Underfloor Heating
- Heat Loss Surveyors
- Renewables (Solar PV, Battery Storage)
Electrical
- Domestic installers
- EV Charger Installers
- Rewires & testing
- Electrical contractors
- Smart-home systems
Building & Home Improvements
- Builders
- Roofers
- Bricklayers
- Damp & Timber Specialists
- Structural Repair Contractors
- Glazing, Windows & Doors
- Conservatory installers
Additional TrustMark Trades
- Plastering & Rendering
- Joinery & Carpentry
- Painting & Decorating
- Driveways, landscaping & paving
- Handyman services
- Ventilation installers (MEV, MVHR)
- Security & CCTV
- Whole-house retrofit specialists
If TrustMark covers it, SRS Insurance insures it — properly.
SRS Insurance: TrustMark-Compliant Insurance Solutions
We provide insurance that fully aligns with TrustMark, ECO4, GBIS and PAS frameworks.
✔ Public Liability & Products Liability
With trade-specific endorsements
(covering insulation, heating, electrical, retrofit & construction works).
✔ Professional Indemnity (PI)
Mandatory for:
- Retrofit designers
- Retrofit coordinators
- System designers
- Electrical testers
- Heating surveyors
✔ Employers’ Liability
Essential for any business using staff or labour-only subcontractors.
✔ Contract Works / Tools / Plant
For installers carrying out on-site works.
✔ Property damage & workmanship extensions
Protection against long-tail retrofit defects.
✔ ECO4, GBIS & TrustMark installation compliance
Policies written specifically for funded schemes.
✔ No retrofit-breaking exclusions
We remove exclusions such as:
- Condensation
- Moisture ingress
- Thermal bridging
- Design/specification
- Product formulation
- “No insulation work” clauses
Most brokers miss these.
We specialise in fixing them.
What Makes SRS Insurance the Leading TrustMark Installer Specialist?
- We understand the TrustMark Framework Operating Requirements (FOR)
We design every policy to support accreditation compliance.
- We insure every TrustMark trade — not just one or two
From EWI to electrics, roofing to renewables, ASHPs to IWI.
- We remove exclusions that would get you failed on audit
- We supply documents that auditors actually want
- Trade-specific PL
- Correct PI indemnity
- Full retrofitting endorsements
- ECO4 wording support
- No hidden clauses
- Same-day quotes & instant documents
- Dedicated account managers
You’re not just a number — you get a specialist handler.
- Competitive pricing with A-rated UK insurers
Who We Work With
SRS Insurance supports:
- Small 1–3 man installer teams
- National insulation contractors
- Retrofit coordinators & designers
- Electrical & heating contractors
- ECO4 managing agents
- System designers & specialist installers
- Multi-trade and whole-house retrofit companies
We also work directly with accreditation bodies, funders, and auditors to ensure insurance perfectly aligns with scheme rules.
Why Choose SRS Insurance?
- Independent UK broker with expertise in commercial and trade insurance
- Access to a wide panel of specialist liability insurers
- Fast quotes, instant documents, and straightforward claims support
- Cover designed for businesses of all sizes
- Personal service from our team of experienced advisers
- Same-day quotes available.
- Fully TrustMark-ready documents included automatically.
Get TrustMark-Compliant Installer Insurance Today
Make sure your insurance protects your accreditation, not puts it at risk.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Employers’ Liability Insurance for UK Businesses | SRS Insurance
Employers’ Liability Insurance for UK Businesses | SRS Insurance
Stay compliant with UK law. SRS Employers’ Liability Insurance covers compensation and legal costs if employees are injured or fall ill at work.
Is It a Legal Requirement?
Yes
Under the Employers’ Liability (Compulsory Insurance) Act 1969, all employers must hold a minimum of £5 million in cover — though most policies automatically provide £10 million as standard.
Failure to have valid cover can result in fines of up to £2,500 per day.
Every business must also display a valid Employers’ Liability Certificate (digitally or physically) for inspection by the Health and Safety Executive (HSE).
Who Needs Employers’ Liability Insurance?
You must hold Employers’ Liability Insurance if you:
- Employ staff (even just one part-time worker)
- Use temps, contractors, or freelancers under your direction or supervision
- Have apprentices, trainees, or volunteers
- Pay wages, even informally
Examples include:
- Builders with a small crew
- Accountants with a receptionist
- Shops with weekend or part-time staff
- Restaurants with chefs, servers, or cleaners
- Landlords employing maintenance workers or cleaners
What Does Employers’ Liability Insurance Cover?
- Workplace injuries (e.g. slips, trips, lifting injuries)
- Illness caused by work (e.g. repetitive strain injury, respiratory issues)
- Compensation payouts and legal defence costs
- Injuries sustained during travel or off-site work
What Isn’t Covered
Employers’ Liability Insurance does not cover:
- Claims from non-employees (covered by Public Liability)
- Self-inflicted or criminal injuries
- Health & Safety fines or penalties
- Independent contractors not under your control
How Much Does Employers’ Liability Insurance Cost?
Premiums depend on factors such as:
- Number of employees
- Nature of business activities
- Claims history
- Annual turnover and payroll size
Example price guide:
- Small consultancy: £100–£200 per year
- Construction or manufacturing firm: typically £300–£1,000+ per year
SRS Insurance works with leading UK insurers to ensure you’re fully compliant and cost-effective, no matter your trade or business size.
Why Choose SRS Insurance?
- FCA-regulated, independent insurance brokers
- Specialists in commercial, trade, and SME insurance
- Access to competitive quotes from top UK insurers
- Fast setup and instant Employers’ Liability certificates
- Expert advice on compliance, risk, and cover gaps
Get a Quote Today
Stay compliant and protect your staff with SRS Employers’ Liability Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
ECO4 & ECO+ Installer Insurance | Retrofit & Energy Efficiency Cover | SRS Insurance
ECO4 & ECO+ Installer Insurance | Retrofit & Energy Efficiency Cover | SRS Insurance
Specialist insurance for ECO4 and ECO+ contractors, installers, and retrofit coordinators. PAS2030 and TrustMark-compliant cover from SRS Insurance.
Who Works in the ECO Industry?
The ECO supply chain includes a wide range of specialist roles, such as:
- Retrofit assessors and coordinators (PAS2035-compliant)
- Installers (boilers, insulation, solar, ventilation)
- Project managers and energy surveyors
- Landlords and housing associations using ECO funding
- Subcontractors working under TrustMark-approved organisations
Each role carries specific compliance and liability exposures — meaning the right insurance is vital.
What Insurance Do ECO Contractors Need?
A comprehensive policy from SRS Insurance typically includes:
Because ECO work involves public funding, domestic properties, and compliance obligations, contractors must hold a combination of specialist commercial insurance policies.
Core Covers
A comprehensive policy from SRS Insurance typically includes:
- Public Liability Insurance – Protects against third-party injury or property damage. Required under TrustMark and PAS2030 standards.
- Employers’ Liability Insurance – Legally required if you employ staff or subcontractors.
- Contractors’ All Risks (CAR) – Covers works in progress, materials, tools, and site damage.
- Professional Indemnity Insurance – Essential for retrofit coordinators and assessors providing design or technical advice.
- Installation Warranty Insurance – Long-term (up to 25-year) protection for installed measures such as insulation or renewables — required under ECO regulations.
Optional / Recommended Add-Ons
- Non-Negligence (JCT 6.5.1) Insurance – Covers accidental damage to neighbouring property during major or solid-wall works.
- Tools & Equipment Cover – Protects items stored in vans or on-site.
- Cyber Insurance – Recommended for companies handling tenant data or using digital compliance systems (e.g. TrustMark lodgements).
- Legal Expenses Insurance – Covers disputes with councils, energy suppliers, or subcontractors.
Common Mistakes in the ECO Sector
Avoid the pitfalls that can lead to uncovered claims or compliance breaches:
- No Professional Indemnity cover for coordinators or assessors.
- Relying on standard Public Liability that excludes government-funded installs.
- Missing or invalid installation warranty certificates.
- Under-insuring multiple crews, vans, or subcontracted teams.
Typical Cost Guide
Premiums vary by turnover, team size, and scope of works:
| Business Type | Typical Annual Premium |
| Small ECO installer | £500 – £1,500 |
| Retrofit coordinator (with CAR & PI) | £1,500 – £3,000+ |
| Larger TrustMark-approved installer (multi-team) | £5,000+ |
SRS Insurance works with specialist underwriters familiar with ECO4 / PAS2030 compliance, ensuring you only pay for cover that meets scheme standards.
Why Choose SRS Insurance?
- Specialists in ECO4, ECO+, and Retrofit insurance
- Knowledge of PAS2030 & PAS2035 frameworks
- Access to TrustMark-approved insurers
- Advice tailored for installers, coordinators, and funding partners
- Fast documentation and renewal support
- Yorkshire-based brokerage with national coverage
Get a Quote Today
Stay compliant and protected under the ECO4 scheme with SRS Energy Efficiency Contractor Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Contractors’ All Risks (CAR) Insurance for Builders & Developers | SRS Insurance
Contractors’ All Risks (CAR) Insurance for Builders & Developers | SRS Insurance
Protect your construction projects with SRS Contractors’ All Risks (CAR) Insurance. Covers contract works, public liability, tools, and plant for builders and developers.
Who Needs CAR Insurance?
CAR Insurance is designed for anyone involved in construction or property development, including:
- Builders and general contractors
- Developers (including self-build projects)
- Renovation and refurbishment specialists
- Property investors managing conversions or extensions
- Design & build companies
- Subcontractors working on large-scale projects
- Principal contractors under JCT or commercial contracts
It’s often required under:
- JCT contract terms
- Lender or mortgage conditions
- Commercial or local authority tenders
What Does CAR Insurance Cover?
A CAR policy typically includes:
Contract Works Cover
Protects the building works on site — including materials, labour, and temporary structures — against fire, flood, theft, vandalism, or storm damage.
Public Liability
Covers injury or damage caused to third parties or their property.
Employers’ Liability (if applicable)
Legally required if you employ staff or subcontractors under your supervision.
Own Plant & Hired-In Plant Cover
Protects machinery, scaffolding, tools, and hired equipment against theft or accidental damage.
Tools Cover (optional)
Protection for small tools and handheld equipment, up to chosen limits.
Contractor’s Joint Names Cover
Ensures both the contractor and property owner are insured under one policy — a common requirement in JCT contracts.
Example Scenarios Covered
Premiums depend on:
- Fire damages a partially built house extension
- Storm destroys scaffolding on a commercial site
- Theft of hired machinery or materials overnight
- A contractor accidentally drops debris onto a neighbour’s car
- A refurbishment project delayed by flood damage mid-build
Why CAR Insurance Is Essential
Without CAR Insurance, your business faces significant risk:
- Standard building insurance won’t cover works in progress
- Public liability alone doesn’t protect the project itself
- Fire, theft, or flood mid-project could cause costly delays
- Many clients and lenders require CAR cover before work begins
Why Choose SRS Insurance?
- Experts in construction and development insurance
- Access to leading UK insurers for competitive rates
- Cover compliant with JCT and lender requirements
- Fast documentation and simple claims process
- Independent advice tailored to your business needs
Get a Quote Today
Safeguard your construction projects with SRS Contractors’ All Risks (CAR) Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
TrustMark Members Insurance | PAS 2030 / 2035 Compliant Cover | SRS Insurance
TrustMark Members Insurance | PAS 2030 / 2035 Compliant Cover | SRS Insurance
Protect your retrofit or home-improvement business with TrustMark-compliant insurance from SRS Insurance. Tailored cover for PAS 2030 / 2035 contractors, coordinators, and installers.
Why TrustMark Members Need Specialist Insurance
Working under a government-backed framework means higher accountability, complex project chains, and strict audit standards.
Standard trades insurance rarely covers all of this.
SRS Insurance provides policies specifically designed to meet TrustMark and PAS 2030 requirements, giving you:
- Evidence of insurance for scheme audits
- Continuous compliance with BEIS / Ofgem guidelines
- Peace of mind that your business, staff, and customers are fully protected
Who We Cover
- Retrofit Installers – insulation, heating, solar, ventilation
- Retrofit Coordinators & Assessors – design, compliance & advice
- Main Contractors / Managing Agents – multi-measure ECO / GBIS projects
- Subcontractors & Specialist Trades – working under TrustMark or PAS 2030 firms
- Landlords & Housing Associations – upgrading stock through funded schemes
Core Covers for TrustMark Compliance
| Cover Type | Why You Need It |
| Public Liability Insurance | Required under TrustMark to protect against third-party injury or property-damage claims. |
| Employers’ Liability Insurance | Legal requirement if you employ staff or labour-only subcontractors. |
| Professional Indemnity Insurance | Mandatory for retrofit coordinators & assessors giving advice, specifications, or design input. |
| Contractors’ All Risks (CAR) | Protects work in progress, materials, and on-site plant/equipment. |
| Product & Completed Operations Cover | Essential for post-installation defects and consumer claims. |
| Installation Warranty Insurance | 25-year protection for energy-efficiency works (required for ECO / PAS 2030 jobs). |
| Non-Negligence (JCT 6.5.1) Insurance | Protects against accidental damage to neighbouring property during works. |
| Tools & Equipment Cover | Theft, loss, or damage cover for vans / on-site tools. |
| Cyber Insurance | Recommended for TrustMark-registered firms handling digital lodgements & tenant data. |
| Legal Expenses Insurance | Helps with contract, employment, or regulatory disputes. |
Optional Enhancements
- Directors’ & Officers’ (D&O) – Covers management decisions and personal liability.
- Fleet or Commercial Vehicle Insurance – One policy for all vans and engineers.
- Business Interruption – Income protection if operations are paused after a claim.
- Office & Contents Cover – For admin / compliance offices handling PAS 2035 documentation.
Common Insurance Pitfalls for TrustMark Members
Avoid these costly mistakes that can lead to failed audits or uninsured claims:
- Missing Professional Indemnity for coordinators / assessors
- Standard liability wording excluding ECO / government-funded work
- No installation warranty or evidence of cover for Ofgem inspection
- Under-insuring multiple teams or subcontractors
- Forgetting cyber & data liability for digital submissions
Typical Cost Guide
| Business Type | Typical Annual Premium |
| Sole-trader installer (PAS 2030) | £400 – £900 per year |
| Retrofit assessor / coordinator (with PI & CAR)** | £1,000 – £2,500 per year |
| Multi-measure TrustMark installer (teams & fleet)** | £2,500 – £5,000 + per year |
Premiums depend on turnover, project values, number of staff, and measures installed.
SRS works with specialist UK underwriters experienced in ECO and TrustMark schemes to ensure full compliance and competitive rates.
Why Choose SRS Insurance?
- Experts in TrustMark / PAS 2030 / PAS 2035 insurance
- Policies tailored for ECO4, GBIS, and retrofit funded work
- Access to scheme-approved insurers & warranty providers
- Fast quotes and instant documentation for audits or renewals
- Flexible monthly payments available
- Independent UK broker — trusted by installers nationwide
Get a Quote Today
Stay compliant, protect your business, and keep your TrustMark accreditation secure with insurance that meets scheme standards.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Tradesman Insurance for Builders, Plumbers & Electricians | SRS Insurance
Tradesman Insurance for Builders, Plumbers & Electricians | SRS Insurance
Protect your trade with SRS Tradesman Insurance — tailored cover for self-employed contractors, sole traders, and small businesses. Public liability, tools & accident cover.
Who Needs Tradesman Insurance?
Ideal for anyone working in the trades, including:
- Sole traders and self-employed contractors
- Subcontractors on larger projects
- Multi-trade professionals handling diverse work
- Small construction teams and start-ups
- Trades working on domestic, commercial, or local authority projects
If you interact with clients, work on-site, or employ others — this insurance is essential.
What’s Typically Included in a Tradesman Insurance Package?
Public Liability Insurance
Protects against third-party injury or property damage caused by your work.
- Standard cover limits: £1m–£5m
- Required for most commercial and council contracts
Employers’ Liability Insurance
Legal requirement if you employ staff — even casual or family members.
Tools Cover
Protects hand and power tools against theft, damage, or loss in your van, on site, or at home.
Optional, but crucial for trades relying on equipment.
Contract Works (Contractors’ All Risks)
Covers work in progress (e.g. extensions or refurbishments) against fire, flood, storm, or vandalism.
Personal Accident Insurance
Pays a lump sum or weekly benefit if you’re injured and can’t work.
Van Insurance
Often arranged separately, but essential for mobile trades.
Professional Indemnity (Optional)
For those offering design or advisory services, such as heating engineers, designers, or consultants.
Example Scenarios
- A plumber bursts a pipe in a customer’s home → Public Liability
- A roofer falls from scaffolding and can’t work for months → Personal Accident
- A joiner’s van is broken into overnight → Tools Cover
- A landscaper’s employee is injured on site → Employers’ Liability
- Storm damages a half-built house extension → Contract Works Cover
How Much Does Tradesman Insurance Cost?
Your premium depends on:
- Type of trade and associated risk
- Business size, turnover, and staff count
- Tool value and security measures
- Claims history and project type (domestic, commercial, or council)
Typical price guide:
- Sole trader with Public Liability: £150–£250/year
- With Tools + Accident Cover: £250–£600/year
- Construction firms: from £500+, depending on scope and contract value
Why Tradesman Insurance Matters
- Many tradesmen assume Public Liability alone is enough
- Council and commercial contracts often demand full documentation
- Tool theft is at an all-time high across the UK
- The right insurance package keeps your business legal, operational, and protected.
Why Choose SRS Insurance?
- Experts in UK trades and contractor insurance
- Access to leading specialist insurers for the trade sector
- Fast quotes and instant proof of cover for tenders or contracts
- Affordable, flexible monthly or annual payment options
- Local service and expert advice from our Yorkshire-based team
Get a Quote Today
Protect your trade, tools, and livelihood with SRS Tradesman Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Public Liability Insurance for Businesses & Tradespeople | SRS Insurance
Public Liability Insurance for Businesses & Tradespeople | SRS Insurance
Protect your business against injury or property damage claims with SRS Public Liability Insurance. Affordable cover for tradespeople, retailers, and contractors.
Who Needs Public Liability Insurance?
Any business or self-employed person that deals with the public should have public liability insurance. This includes:
- Tradespeople – plumbers, electricians, builders, decorators
- Retailers and shop owners
- Cafés, salons, and barbers
- Event companies and organisers
- Contractors working on-site or in clients’ homes
- Landlords with communal or shared areas
- Home-based businesses that have clients visiting their premises
If your work involves public interaction or site visits, this cover is essential.
What Does Public Liability Insurance Cover?
A public liability policy typically includes:
- Injury to third parties – e.g. a customer slips on a wet floor
- Damage to third-party property – e.g. a decorator spills paint on a client’s carpet
- Legal fees and compensation payments
- Accidental damage caused during work activities
Cover limits usually range from £1 million to £10 million, depending on your industry, contracts, and risk exposure.
What Isn’t Covered
Public Liability Insurance does not cover:
- Injuries to your own employees – this requires Employers’ Liability Insurance
- Damage to your own property, tools, or stock
- Professional advice or design errors – covered by Professional Indemnity Insurance
- Deliberate acts, fraud, or gross negligence
How Much Does Public Liability Insurance Cost?
The cost of cover depends on:
- Type of business and level of risk
- Annual turnover and staff numbers
- Claims history and experience
- Limit of indemnity required
Example guide:
- Sole-trader handyman: from £150–£300 per year
- Large events company: several hundred pounds annually
SRS Insurance compares leading UK insurers to find affordable, tailored protection for your business.
Why Choose SRS Insurance?
- Independent UK broker with expertise in commercial and trade insurance
- Access to a wide panel of specialist liability insurers
- Fast quotes, instant documents, and straightforward claims support
- Cover designed for businesses of all sizes
- Personal service from our team of experienced advisers
Get a Quote Today
Protect your business from unexpected claims with SRS Public Liability Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.