PAS 2030 / PAS 2035 Retrofit Installer Insurance | Assessors, Designers & Coordinators | SRS Insurance
PAS 2030 / PAS 2035 Retrofit Installer Insurance | Assessors, Designers & Coordinators | SRS Insurance
SRS Insurance provides specialist PAS 2030 and PAS 2035 insurance for retrofit installers, assessors, designers and coordinators. Compliant cover for ECO4 and TrustMark, including insulation, heating, ventilation, assessment and design roles.
Why PAS 2030 / PAS 2035 Contractors Need Specialist Insurance
Retrofit involves multiple linked measures interacting inside a property’s building physics.
If something goes wrong — condensation, mould, damp, thermal bridging, under-performance — the installer or professional is the first to be blamed.
Problems we routinely see with standard policies:
- Moisture, damp or mould exclusions
- No cover for thermal performance or cold bridging
- No PI cover for retrofit reports or design work
- Exclusions for assessment or specification errors
- Inadequate PL limits for funded retrofit projects
- No cover for ventilation upgrades or airflow recommendations
- No “resulting damage” cover
- No cover for multi-measure interactions
- No protection for long-tail ECO4 claims
Risks for retrofit professionals include:
- Incorrect improvement pathway selection
- Wrong ventilation strategy
- Inaccurate energy modelling or RdSAP/EPR data
- Defects in installation or commissioning
- Measure interaction failure
- Project underperformance
- Legal disputes with homeowners or funders
PAS 2030 / PAS 2035 requires professional-grade insurance, not tradesman basics.
Insurance for PAS 2030 Installers
PAS 2030 installers must hold insurance that covers:
- Insulation measures (EWI, IWI, CWI, loft, floor, RIR)
- Ventilation installations
- Heating & heating controls
- Smart home controls
- Fabric-first measures
- Renewables (ASHP, PV, hybrid systems)
SRS Insurance provides:
- Public Liability (correct retrofit endorsements)
- Employers’ Liability
- Professional Indemnity (if required)
- Material damage & resulting damage cover
- Moisture, condensation & thermal bridging cover
- Tools, plant & contract works
- Subcontractor liability (optional)
Our policies align with PAS 2030 installer obligations and ECO4 requirements.
Insurance for PAS 2035 Retrofit Designers
Designers are responsible for:
- Medium- and high-risk design
- Measure specification
- Thermal bridging analysis
- Moisture risk analysis
- Ventilation design
- Coordinating multiple measures
We cover:
- Design decisions resulting in defects
- Incorrect moisture or thermal modelling
- Specification errors
- Failure to identify pre-existing defects
- Performance shortfalls
- Condensation, damp or mould claims
Design work is high-liability — our PI policies reflect this.
Insurance for ECO4 & GBIS Installers, Agents & Coordinators
Funded schemes introduce additional risks:
- Long-term liability
- High volumes of installations
- Complex measure interactions
- Data accuracy requirements
- Funding clawbacks
- Administrative errors
We offer:
- Specialist installer liability
- PI for ECO4 data submission
- Cover for multi-measure projects
- Scheme audits & compliance protection
Who We Insure
We insure all PAS2030 / PAS2035 roles and business types:
- Retrofit Assessors
- Retrofit Designers
- Retrofit Coordinators
- PAS 2030 Installers
- Whole-house retrofit companies
- ECO4 installers
- GBIS installers
- Managing agents
- Multi-measure contractors
- System designers
- Commercial & domestic retrofit firms
Whether you operate a 1-person retrofit practice or a national ECO installation business — we tailor insurance to your risk.
Why Choose SRS Insurance for PAS 2030/2035 Retrofit Cover?
- Specialist in retrofit, PAS 2030 & PAS 2035 insurance
- Understanding of TrustMark, ECO4, GBIS & scheme rules
- Proper moisture/condensation/thermal bridging cover
- Correct PI for assessors, designers & coordinators
- High-limit PL for installers
- Same-day quotes & immediate documents
- A-rated insurer panel
- Dedicated retrofit insurance specialists
We protect you against the real liabilities of whole-house retrofit.
Get a PAS 2030 / PAS 2035 Retrofit Insurance Quote
For compliant insurance built specifically for:
- PAS 2030 Installers
- PAS 2035 Assessors
- PAS 2035 Designers
- PAS 2035 Coordinators
- ECO4 Installers
- GBIS Installers
- TrustMark Registered Businesses
SRS Insurance — protecting the UK’s retrofit professionals.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
NFRC Roofing Contractor Insurance | Specialist Roof Installer Cover | SRS Insurance
NFRC Roofing Contractor Insurance | Specialist Roof Installer Cover | SRS Insurance
SRS Insurance provides specialist insurance for NFRC roofing contractors, including pitched roofing, flat roofing, waterproofing, cladding, and building envelope installers. Tailored cover for domestic, commercial and industrial roofing professionals.
Why Roofing Contractors Need Specialist Insurance
Roofing is one of the most claim-intensive trades. Many standard contractor policies exclude or restrict roofing work, often without the installer realising.
We frequently find:
Common gaps in roofing policies
- Exclusions for working at height
- Hot works exclusions (e.g., torches, burners, boilers)
- No cover for waterproofing or weatherproofing
- Exclusions for “roofing over 10m / 15m / 20m”
- No protection for defective workmanship or resulting damage
- No cover for fire damage caused during works
- Limited cover for cladding and envelope systems
- No insurance for sub-contractors
- Incorrect Public Liability limits for commercial jobs
This creates huge risks
- Water ingress claims during or after install
- Fire damage from hot works
- Structural failure claims
- Court action from main contractors or clients
- Contractual breaches & withheld payments
- Insurers refusing to pay claims due to exclusions
Roofing contractors must have insurance built specifically for their trade — SRS Insurance provides exactly that.
Insurance for NFRC Registered Roof Installers
NFRC contractors work to recognised technical standards — your insurance should match the same level of professionalism.
We provide cover for:
NFRC roofing activities
- Slate & tile roofing
- Pitched roofs & trussed rafters
- Flat roofs (felt, liquid, EPDM, GRP, BUR systems)
- Commercial & industrial roofing
- Metal roofing
- Standing seam roofing
- Cladding & façade systems
- Rooflight installation
- Green roofs
- Warm & cold roof systems
- Emergency roofing repairs
Our policies include:
- Public & Products Liability
- High-limit cover for roofing risks
- Hot works endorsements
- Work at height cover
- Waterproofing & weatherproofing liability
- Professional Indemnity (where needed for design/spec)
- Tools, plant & contract works cover
- Employers’ Liability
- Subcontractor liability options
- Resulting damage cover
Pitched Roofing Insurance
We provide specialist insurance for pitched roofing contractors working with:
- Tiles & slates
- Timber structures
- Battens & breathable membranes
- Roofline systems
- Hip, valley & ridge details
Typical claim exposures include:
- Tile/slate slip causing injury or damage
- Wind uplift failures
- Incorrect fixings
- Membrane failure leading to leaks
- Scaffolding & access risks
Coverage includes PL, PI (optional), tools and material damage.
Flat Roofing & Waterproofing Insurance
Flat roofing involves complex materials and high defect exposure.
We insure installers using:
- Torch-on felt
- Built-up bitumen
- EPDM membranes
- Liquid-applied roofing systems
- GRP/Fibreglass roofing
- Inverted roof systems
Key protections include:
- Hot works fire damage
- Water ingress & waterproofing liability
- Material failure & workmanship risks
- Resulting damage cover
- Contract works for ongoing jobs
- PI for membrane specification (optional)
Flat roofing claims can be expensive — our policies reduce your exposure.
Commercial & Industrial Roofing Insurance
Commercial roofing carries higher contractual and structural risk.
We cover installers working on:
- Warehouses
- Factories
- Retail units
- Schools & public buildings
- Offices & multi-storey premises
Included protections:
- High-limit Public Liability
- Commercial structural risk cover
- Cladding & facade systems
- Specialist mechanical fixings
- Wind uplift failures
- Larger roof area exposure
Our commercial roofing insurance is tailored to higher-value work and contractual obligations.
Cladding, Building Envelope & Façade Installer Insurance
NFRC contractors increasingly work on building envelopes, which demand their own insurance considerations.
We cover:
- Metal cladding
- Composite panels
- Rainscreen facades
- Envelope waterproofing
- Rooflight integration
- Soffit & fascia systems
Key features:
- Cover for structural defects
- Moisture ingress & facade failure
- PI for system design integrations
- Fire spread and insulation risks (where applicable)
Emergency Roofing & Repair Contractor Insurance
For contractors offering emergency call-outs or storm damage repairs, we provide:
- Water ingress liability
- Wind damage
- Temporary repairs & make-safe work
- Work at height emergency access coverage
This is ideal for contractors doing fast-paced repair work.
Who We Insure
SRS Insurance supports:
- NFRC member roofing contractors
- Domestic roofing companies
- Commercial & industrial roofing firms
- Multi-trade building contractors
- Cladding & envelope installers
- Flat roofing specialists
- Heritage roofing contractors
- Emergency repair roofing firms
- Subcontractors for main contractors
Whether you are a sole trader roofer or a regional roofing contractor, we tailor cover to your exact work mix.
Why Choose SRS Insurance for NFRC Roofing Installer Cover?
- We specialise in roofing & building envelope insurance
- Deep understanding of NFRC standards and roofing risks
- Proper cover for hot works & high-level roofing
- Defect & water ingress cover normally excluded by others
- Same-day quotes & documents
- A-rated UK insurers only
- Policies built for domestic, commercial & industrial roofing
- Dedicated roofing insurance specialists
We protect your reputation, your workmanship, and your NFRC professional status.
Get an NFRC Roofing Installer Insurance Quote
For specialist roofing contractor insurance for NFRC members, contact:
SRS Insurance — protecting roofing professionals nationwide.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
FENSA, CERTASS, CIGA & BBA Installer Insurance | Glazing & Building Fabric Insurance | SRS Insurance
FENSA, CERTASS, CIGA & BBA Installer Insurance | Glazing & Building Fabric Insurance | SRS Insurance
SRS Insurance provides specialist insurance for glazing, window, door, insulation and building fabric installers registered with FENSA, CERTASS, CIGA and BBA. Tailored cover for window fitters, door installers, cavity wall installers, building envelope contractors and home improvement specialists.
Why Glazing & Building Fabric Installers Need Specialist Insurance
Window, door, insulation and building fabric installations expose contractors to unique risks that generic tradesman policies often fail to cover.
We routinely see policies with critical gaps such as:
Common issues with standard policies
- Exclusions for window/door installation
- No cover for water ingress, leaking or sealing defects
- No cover for cavity wall insulation
- No recognition of product/system certification
- Insufficient PI cover for specification & surveying
- No cover for defective workmanship or resulting damage
- Exclusions for “failure to prevent damp or condensation”
- PL limits too low for commercial or landlord work
- No cover for subcontractors
- No protection for long-term warranties
The impact on your business
- Failed FENSA or CERTASS audits
- Loss of registration
- Claims rejected
- Liability for structural, water or insulation-related defects
- Expensive remedial work with no insurance support
- Legal disputes with homeowners or main contractors
SRS Insurance ensures glazing and building fabric installers have the correct, compliant cover.
FENSA Installer Insurance (Window & Door Installers)
FENSA installers work directly with building openings, structural apertures, seals and glazing systems. Incorrect cover can leave installers exposed to major claims.
We insure:
- Window installation
- Door installation
- Composite & uPVC systems
- Aluminium systems
- Double & triple glazing
- Structural alterations to openings
Key protections for FENSA installers:
- Public Liability
- Product Liability
- Defective workmanship & resulting damage
- Water ingress & weatherproofing liability
- PI for measuring, surveying and specification
- Tools & equipment cover
- Employers’ Liability
- Contract works for larger projects
We ensure FENSA installers meet scheme standards and mitigate long-term risks.
CERTASS Installer Insurance (Glazing & Building Fabric)
CERTASS covers a wide range of glazing and fabric installers, including:
- Windows & doors
- Conservatories & extensions
- Roofline products (fascias, soffits, guttering)
- Cladding & external building fabric
- Replacement glazing & repairs
Insurance built for CERTASS installers includes:
- PL with glazing/fabric endorsements
- PI for measuring, design & specification
- Water ingress protection
- Structural opening liability
- Cover for composite, aluminium and uPVC products
- Tools & contract works
- Cover for multi-trade installers
CERTASS contractors need multi-dimensional cover — we provide it.
CIGA Installer Insurance (Cavity Wall Insulation)
CIGA installers work with insulation measures that pose long-term moisture, condensation and structural risks.
We cover:
- Cavity wall insulation
- Extraction & remedial works
- Loft & roof insulation
- Damp-proofing integration
- Retrofit insulation measures
Key protections include:
- Condensation, damp & moisture liability
- Thermal bridging exposure cover
- Workmanship & resulting damage
- PI for assessing cavity suitability
- Long-term guarantee responsibility
- Water ingress and damp penetration
- Employers’ Liability
- Tools & equipment
SRS Insurance understands the long-tail risks associated with CIGA insulation work.
BBA Installer Insurance (System-Specific & Certified Installers)
BBA certification is used for system installers involved in:
- Roof systems
- Cladding
- Insulation systems
- Structurally tested building products
- Specialist building envelope solutions
Our insurance covers:
- Installer liability for system-certified products
- Structural defects
- Cladding & building envelope failure
- Installer responsibility for product integration
- PI for installation design/specification
- Water ingress & weatherproofing risks
We ensure BBA-certified installers are protected where system liability and workmanship overlap.
Who We Insure
We support all glazing and building fabric contractors, including:
- Window fitters
- Door installers
- Conservatory installers
- Building fabric contractors
- Roofline specialists
- Insulation installers
- Cladding contractors
- Cavity wall installers
- Multi-trade home improvement firms
- Commercial property contractors
- Domestic retrofit contractors
Whether you’re a small installer or a large multi-trade contractor, SRS Insurance provides tailored protection.
Why Choose SRS Insurance for FENSA, CERTASS, CIGA & BBA Installer Cover?
- Specialist knowledge of glazing & insulation risks
- Deep understanding of FENSA, CERTASS, CIGA & BBA scheme requirements
- Trade-specific PI & PL limits
- Inclusion of water ingress, condensation & thermal bridging cover
- Proper cover for surveys, specification & measurements
- Support for commercial, domestic & retrofit projects
- A-rated insurer partners
- Same-day quotes & documents
- Dedicated glazing/insulation insurance specialists
We protect your registration, your workmanship, and your business.
Get a Glazing & Building Fabric Installer Insurance Quote
For compliant insurance for FENSA, CERTASS, CIGA or BBA installers, contact SRS Insurance today.
SRS Insurance — protecting glazing & building fabric professionals across the UK.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Insulation Installer Insurance | EWI, IWI, CWI, Loft & Floor | PAS 2030 & ECO4 | SRS Insurance
Insulation Installer Insurance | EWI, IWI, CWI, Loft & Floor | PAS 2030 & ECO4 | SRS Insurance
SRS Insurance provides specialist insurance for insulation installers including EWI, IWI, CWI, loft, floor and room-in-roof measures. Fully PAS 2030 / PAS 2035 / ECO4-compliant insurance for retrofit installers, designers, assessors and coordinators.
Why Accredited Installers Need Specialist Insurance
Many contractors unknowingly hold insurance policies that fail audit checks with IAA, SWIGA, NICEIC and NAPIT because they contain exclusions that are unacceptable for retrofit or installation work.
Common issues we see:
- Design & advice exclusions (not acceptable for Retrofit Coordinators or PAS 2035 roles)
- Condensation, damp, mould & moisture ingress exclusions
- Thermal bridging exclusions
- No cover for insulation works (EWI, CWI, IWI, loft, floor, room-in-roof, hybrid, innovation measures)
- No cover for heating or heating controls work
- PI limits too low for Coordinator or Designer roles
- Public Liability limits below scheme minimums
- No cover for ECO4 or funded work
The risks:
- Claims being rejected
- Failing audits
- Losing accreditation
- Liability passed back to you
- Financial and reputational damage
SRS Insurance prevents all of these issues with scheme-aligned policies designed specifically for accredited contractors.
Specialist Insurance Products by SRS Insurance
We offer tailored, scheme-compliant insurance for all measures and trade types:
PAS 2030 Installer Insurance
For all ECO4/PAS 2030 measures including:
- External Wall Insulation (EWI)
- Cavity Wall Insulation (CWI)
- Internal Wall Insulation (IWI)
- Loft insulation
- Floor insulation
- Room-in-roof insulation
- Heating, boilers and heating controls
- Hybrid and innovation measures
PAS 2035 Retrofit Insurance
- Retrofit Assessors
- Retrofit Designers
- Retrofit Coordinators
With Professional Indemnity matched to PAS 2035 obligations.
SWIGA-Compliant EWI & IWI Installer Insurance
Includes:
- EWI & IWI installation liability
- System design liability
- Moisture & ingress risk cover
NICEIC Electrical Contractor Insurance
- For electrical installers, EV chargers, renewables, testing & inspection.
NAPIT Installer Insurance
- For electrical, mechanical, insulation, heat pumps, heating systems and retrofit trades.
ECO4 Delivery Partner Insurance
- Designed for volume installers and coordinators working on funded schemes.
IAA Insurance – Insulation Assurance Authority
SRS Insurance provides compliant insurance for all IAA-registered contractors, including:
- Loft, cavity, external wall, internal wall, floor & hybrid insulation
- Retrofit assessment, design & coordination
- ECO4-funded work
- Ventilation requirements under PAS 2035
- Heating & heating controls installers
We ensure your policy meets or exceeds IAA requirements — with no retrofit-breaking exclusions.
SWIGA Insurance – Solid Wall Insulation Guarantee Agency
Our SWIGA-approved insurance solutions include:
- External Wall Insulation (EWI)
- Internal Wall Insulation (IWI)
- System design liability
- Condensation, damp and moisture cover
- Long-tail liability protection
- ECO4 compliance
NICEIC Insurance – Electrical Contractors
Our NICEIC-ready policies ensure compliant cover for:
- Electrical installation & testing
- Renewables & EV chargers
- Heating systems & heating controls
- Smart-home technologies
- Professional Indemnity for certification & design
- Public Liability & Product Liability
- Optional employers’ liability, tools and contract works
NAPIT Insurance – Electrical, Heating & Retrofit Contractors
We provide specialist NAPIT contractor insurance covering:
- Electrical contracting
- Heat pumps & low carbon heating
- Boiler installations & heating controls
- Insulation measures (EWI, IWI, CWI, loft, floor, RIR)
- Retrofit and PAS 2035 activities
- ECO4 delivery partners
Who SRS Insurance Supports
We work with contractors across the entire energy-efficiency and installation ecosystem:
- Insulation installers (EWI, CWI, IWI, loft, floor, RIR, hybrid)
- Electrical, heating & renewable installers
- Heating engineers & heating controls specialists
- PAS 2030 installers
- PAS 2035 assessors, designers & coordinators
- ECO4 contractors
- System designers
- Managing agents
- Multi-trade contractors
Why Choose SRS Insurance?
- Full understanding of IAA, SWIGA, NICEIC & NAPIT requirements
- Zero exclusions that break PAS 2030/PAS 2035 compliance
- Specialist PI for retrofit roles
- Fast quotes & instant documentation
- We work only with UK A-rated insurers
- Dedicated account manager
- Designed for ECO4 & future government schemes
Get a Scheme-Compliant Insurance Quote from SRS Insurance
Make sure your insurance protects your accreditation — not jeopardises it.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
ATTMA Airtightness Tester Insurance | Air Leakage & Building Performance Assessor Cover | SRS Insurance
ATTMA Airtightness Tester Insurance | Air Leakage & Building Performance Assessor Cover | SRS Insurance
SRS Insurance provides specialist insurance for ATTMA-accredited airtightness testers and building performance assessors. Tailored PI and PL cover for air leakage testing, pressure testing, thermography, compliance reporting and building performance diagnostics.
Why Airtightness Testers Need Specialist Insurance
ATTMA testing is a compliance-critical activity.
Incorrect readings or reporting errors can lead to:
- Failed Building Control sign-off
- Project delays
- Additional construction costs
- Litigation from contractors, developers or clients
- Professional liability for invalid certificates
- Reputational damage
Despite this, many assessors hold insurance that does not cover:
Common insurance gaps we see
- No Professional Indemnity for reporting or certification
- Exclusions for measurement error or incorrect data
- No cover for Part L compliance work
- No protection for retrofit diagnostic testing
- No cover for thermographic surveys
- No public liability for high-risk commercial/industrial tests
- Inadequate PL limits for large developers
- Exclusions for “specialist testing work”
ATTMA testers require insurance that understands their precision-driven professional risk.
Insurance for ATTMA Accredited Testers
We insure all ATTMA membership levels:
- ATTMA Level 1 (Single dwellings & simple buildings)
- ATTMA Level 2 (Complex, large & non-dwellings)
- ATTMA Level 3 (Very large, industrial & specialist buildings)
Covered activities include:
- Air leakage testing
- Air permeability assessments
- Air pressure testing
- Commercial & industrial air testing
- New-build airtightness reports
- Compliance & handover documentation
- Building envelope performance testing
- Diagnostic leakage detection
- Passive house testing (where applicable)
- Remedial testing and re-testing
- Thermographic surveys
Whether you are a one-person assessor or a multi-tester business, we can protect your operations.
Core Insurance Covers for Airtightness Testers
Airtightness testing is a professional activity — meaning Professional Indemnity is essential.
1. Professional Indemnity Insurance (PI)
Covers claims relating to:
- Incorrect pressure testing results
- Invalid compliance reports
- Measurement error
- Incorrect calculations
- Failure to follow ATTMA methodology
- Losses caused by inaccurate certification
- Incorrect diagnostic surveys
- Builder/developer financial loss due to incorrect readings
This is the most important cover for ATTMA testers.
2. Public Liability Insurance (PL)
Covers accidental damage or injury during testing:
- Damage to doors, frames or finishes
- Damage caused by fans or equipment
- Injury to building occupants
- Damage during access or surveying
Often required by main contractors and developers.
3. Employers’ Liability Insurance
Required if you have staff or labour-only subcontractors assisting with testing.
4. Tools & Equipment Insurance
Covers:
- Blower door systems
- Fans & rigs
- Diagnostic tools
- Data loggers
- Thermal imaging cameras
- Carry kit & calibration equipment
Given the high value of airtightness testing gear, this is strongly recommended.
5. Contract Works Insurance (Optional)
Covers damage to work in progress if you’re involved in remedial or pre-test sealing work.
Thermographic Surveyor Insurance
Many ATTMA testers also provide building thermography as an add-on service.
We provide cover for:
- Thermal imaging surveys
- Heat-loss analysis
- Air leakage detection
- Post-installation validation
- Commercial thermographic inspections
- Moisture detection
Protected risks include:
- Incorrect interpretation of thermal images
- Faulty thermographic reporting
- Professional negligence relating to heat loss detection
Who We Insure
We support all types of airtightness testing businesses:
- Single independent testers
- Multi-tester firms
- Building compliance companies
- Retrofit testing specialists
- Thermography assessors
- Developers’ testing subcontractors
- Air permeability specialists
- Commercial/industrial testing teams
- Whole-house diagnostic testers
Whatever your structure, we tailor insurance to your exact technical risk.
Why Choose SRS Insurance for ATTMA Air Tester Cover?
- We specialise in compliance-driven testing & certification insurance
- Deep understanding of ATTMA methodology & reporting exposure
- PI limits available from £100k–£5m+
- Specialist cover for measurement error
- Thermography cover included if required
- Same-day quotes and documentation
- A-rated insurer partners
- Dedicated testing & compliance insurance specialists
Our goal:
Protect your certification, your reports and your business from professional liability.
Get an ATTMA Airtightness Tester Insurance Quote
For specialist insurance built for ATTMA-accredited testers, contact:
SRS Insurance — specialist protection for building performance professionals.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
NICEIC, NAPIT & ELECSA Electrical Installer Insurance | Electrical Contractor Cover | SRS Insurance
NICEIC, NAPIT & ELECSA Electrical Installer Insurance | Electrical Contractor Cover | SRS Insurance
SRS Insurance provides specialist insurance for electrical installers registered with NICEIC, NAPIT and ELECSA. Tailored cover for electrical contractors, domestic installers, renewable energy installers, EV charger installers and testing & inspection specialists.
Why Electrical Installers Need Specialist Insurance
Electrical contractors face unique risks that standard tradesman policies often exclude or undervalue.
We frequently find serious gaps in policies such as:
Common problems we see
- Exclusions for testing, inspection or certification
- No cover for electrical design or system specification
- Incorrect limits for commercial electrical work
- Exclusions for EV charger installations
- No PI for installation certificates, EICRs or reports
- No cover for employers’ or labour-only subcontractors
- “No work at height” exclusions affecting solar PV jobs
- No cover for fires caused by electrical faults
- Restrictions on commercial, industrial or 3-phase work
This can lead to:
- Failed NICEIC/NAPIT audits
- Invalidation of self-certification
- Declined claims
- Legal exposure for fire, shock or system failure
- Contract loss with main contractors or councils
Electrical work is high-liability — you need insurance that matches your technical risk.
Insurance for NICEIC Registered Electrical Contractors
If you are registered as a Domestic Installer, Approved Contractor or Certsure member, SRS Insurance provides specialist cover aligned with NICEIC expectations.
We cover:
- Domestic & commercial electrical installation
- Testing, inspection & certification
- Consumer unit changes
- Rewires & upgrades
- 3-phase installations
- Emergency lighting
- Commercial & industrial contracting
- PAT testing
- Temporary electrical installations
Key protections
- Public & Products Liability
- Professional Indemnity for certification, design & testing
- Fire & electrical fault liability
- Employers’ Liability
- Tools, plant & contract works
- Hired-in plant
- Property worked upon extensions
Our policies support NICEIC audit compliance.
Insurance for NAPIT Electrical Installers
NAPIT contractors often work across multiple trades (electrical, heating, renewables, ventilation), requiring insurance that accounts for wider activities.
Covered NAPIT activities include:
- Electrical installation & maintenance
- Testing & EICRs
- Smart meters & smart home systems
- EV charge points
- Solar PV & renewable energy systems
- Ventilation & MEV/MVHR systems
- Heating controls & low-carbon technology
- Commercial electrical contracting
Key features:
- Cover for multi-trade electricians
- PI for design, inspection & reports
- Cover for renewables, inverters, battery storage
- Work at height & roof access for solar installation
- Tools & equipment cover
NAPIT installers face diverse risks — SRS Insurance provides tailored, multi-trade solutions.
Insurance for Electrical Testing & Inspection Specialists
Testing engineers hold significant responsibility because their certification carries legal weight.
We cover:
- EICRs
- Periodic inspection & testing
- Landlord & insurance certificates
- Remedial work
- Commercial & industrial inspection
- Portable appliance testing (PAT)
Required protections include:
- Professional Indemnity
- Public Liability
- Defective design/specification cover
- Cover for resulting damage
- Work on live circuits (where applicable)
We ensure your PI matches your testing responsibilities.
Insurance for Renewable Energy & Solar PV Installers
Solar PV and renewable energy electricians require specialist cover due to:
- Roof access
- Structural mounting systems
- DC arcing & fire risks
- Battery storage & inverters
We insure:
- Solar PV installers
- Battery installers
- Hybrid inverters
- Solar/EV integrated systems
- Renewable energy contractors
We ensure your insurance covers both electrical and renewable risks.
Who SRS Insurance Works With
We insure:
- Domestic installers
- Commercial/industrial contractors
- Solar & renewable electricians
- EV charger installers
- Electrical testing specialists
- Multi-trade NAPIT contractors
- Subcontractors for councils & main contractors
- Firms with in-house design capability
Whether you’re a 1-man electrician or a national electrical contractor — we provide tailored solutions.
Why Choose SRS Insurance for Electrical Installer Cover?
- We specialise in electrical trade insurance
- Deep knowledge of NICEIC, NAPIT & ELECSA requirements
- Scheme-aligned PI & PL limits
- Enhanced cover for electrical risks
- EV & solar-ready insurance
- Same-day documentation
- A-rated UK insurers
- Dedicated electrical trade specialists
We make sure your insurance doesn’t just cover you — it protects your registration and reputation.
Get an Electrical Installer Insurance Quote
For compliant insurance for NICEIC, NAPIT and ELECSA installers, contact:
SRS Insurance — protecting the UK’s electrical professionals.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Gas Safe, HETAS, OFTEC, APHC, Benchmark & BESCA Heating Installer Insurance | SRS Insurance
Gas Safe, HETAS, OFTEC, APHC, Benchmark & BESCA Heating Installer Insurance | SRS Insurance
SRS Insurance provides specialist insurance for heating installers registered with Gas Safe, HETAS, OFTEC, APHC, Benchmark and BESCA. Tailored cover for gas engineers, oil heating technicians, solid fuel installers, plumbing contractors and heating system specialists.
Why Heating Installers Need Specialist Insurance
Heating engineers are responsible for safety-critical systems. If something goes wrong, the liability can be catastrophic.
We regularly review policies for heating installers and find major issues such as:
Common policy problems
- Exclusions for gas work, oil work, or solid fuel installations
- No cover for combustion appliances, flues or chimney systems
- Water-damage exclusions for plumbing works
- No Professional Indemnity for commissioning & sign-off
- PL limits too low for commercial jobs or building control requirements
- No cover for subcontractors or labour-only operatives
- Incorrect heat work / hot works endorsements
- Exclusions for escape of fuel or heat damage
The risks to your business
- Personal liability for CO poisoning or fire incidents
- Claims declined due to exclusions
- Failure to meet Gas Safe, HETAS or OFTEC scheme requirements
- Loss of compliance status under Benchmark/APHC/BESCA
- Legal and financial exposure
- Loss of public trust and damaged reputation
Heating installers cannot rely on generic tradesman policies.
SRS Insurance ensures you are fully protected.
Insurance for Gas Safe Registered Engineers
Gas Safe engineers work with combustible gas, boilers, flues, and pressure systems — areas where insurance needs to be precise.
We provide Gas Safe-aligned insurance covering:
What we cover
For all ECO4/PAS 2030 measures including:
- Boiler installation, servicing & repairs
- Gas appliances
- Flues & ventilation systems
- Pipework & pressure testing
- Commissioning & certification
- Landlord gas safety checks
Key protections
- Public & Products Liability
- Professional Indemnity for inspection, testing & certification
- Hot works cover
- Water damage from plumbing faults
- Cover for escape of fuel, fire and explosion
- Employers’ Liability
- Tools, equipment & contract works
SRS Insurance policies align with Gas Safe audit expectations and the risks you face daily.
Insurance for HETAS (Solid Fuel) Installers
HETAS installers work with high-temperature systems, chimneys, combustion appliances and flue designs — all high-risk activities requiring specialist cover.
Covered activities
- Solid fuel stove installations
- Biomass boilers
- Flue and chimney work
- Fireplace fitting
- High-heat output systems
- Lining, sweeping & commissioning
Key insurance features
- Fire & heat-related risk extensions
- Structural damage from incorrect flue installation
- Chimney failure liability
- PI cover for design/specification of chimneys & combustion systems
- Hot works and onsite heating risks
Our policies help protect HETAS installers against the industry’s most dangerous liabilities.
APHC (Plumbing & Heating) Installer Insurance
APHC registered contractors handle water systems, hot water storage, heating systems, bathrooms, kitchens, pipework and more.
Our insurance supports:
- Plumbing installation & repairs
- Heating system upgrades
- Hot water cylinders
- Bathrooms & kitchens
- Water supply systems
- Underfloor heating
- Cold & hot water storage
Key protections
- Water damage & escape of water cover
- Workmanship & resulting damage extensions
- Employer’s Liability
- Tools & contract works
- Heating system risks
- PI for design/installation oversight
Plumbing and heating work demands specialist risk management — we provide it.
BESCA Heating & Building Services Installer Insurance
BESCA covers heating, mechanical, ventilation and building services installers.
We provide cover for:
- Heating system installation
- Hot water systems
- Ventilation & ducting
- Mechanical building services
- Certification responsibilities
Included protections
- Public Liability
- PI for design/specification
- Water & heat damage
- Workmanship & resulting damage
- Employers’ Liability
Our policies map neatly onto BESCA CPS requirements.
Who We Insure
We cover all business types:
- Gas Safe engineers
- Oil heating technicians (OFTEC)
- Solid fuel installers (HETAS)
- Plumbing & heating contractors (APHC)
- Multi-trade heating companies
- Self-employed engineers
- Boiler installers
- Regional heating firms
- National installer networks
If you install, service or certify heating systems — we can insure you.
Why Choose SRS Insurance?
- Specialist in heating, gas, oil & solid fuel installer insurance
- Deep understanding of Gas Safe, HETAS, OFTEC, APHC, Benchmark & BESCA requirements
- Correct PI & PL limits for scheme audits
- Covers technical risks often excluded elsewhere
- Same-day quotes and documentation
- A-rated UK insurer partners
- Trade-specific endorsements
- Dedicated account manager
We design policies that protect your registration and your business.
Get a Heating Installer Insurance Quote
To get compliant insurance for:
- Gas Safe
- HETAS
- OFTEC
- APHC
- Benchmark
- BESCA
- Heating installers
- Plumbing & heating engineers
SRS Insurance — the specialist broker for heating system professionals.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Accredited Installer Insurance | IAA, SWIGA, NAPIT & NICEIC | SRS Insurance
Accredited Installer Insurance | IAA, SWIGA, NAPIT & NICEIC | SRS Insurance
SRS Insurance provides specialist, scheme-compliant insurance for IAA, SWIGA, NAPIT and NICEIC accredited installers, including EWI, IWI, CWI, loft, floor insulation, heating, heating controls, electrical and PAS 2030/2035 retrofit professionals.
Why Accredited Installers Need Specialist Insurance
Many contractors unknowingly hold insurance policies that fail audit checks with IAA, SWIGA, NICEIC and NAPIT because they contain exclusions that are unacceptable for retrofit or installation work.
Common issues we see:
- Design & advice exclusions (not acceptable for Retrofit Coordinators or PAS 2035 roles)
- Condensation, damp, mould & moisture ingress exclusions
- Thermal bridging exclusions
- No cover for insulation works (EWI, CWI, IWI, loft, floor, room-in-roof, hybrid, innovation measures)
- No cover for heating or heating controls work
- PI limits too low for Coordinator or Designer roles
- Public Liability limits below scheme minimums
- No cover for ECO4 or funded work
The risks:
- Claims being rejected
- Failing audits
- Losing accreditation
- Liability passed back to you
- Financial and reputational damage
SRS Insurance prevents all of these issues with scheme-aligned policies designed specifically for accredited contractors.
Specialist Insurance Products by SRS Insurance
We offer tailored, scheme-compliant insurance for all measures and trade types:
PAS 2030 Installer Insurance
For all ECO4/PAS 2030 measures including:
- External Wall Insulation (EWI)
- Cavity Wall Insulation (CWI)
- Internal Wall Insulation (IWI)
- Loft insulation
- Floor insulation
- Room-in-roof insulation
- Heating, boilers and heating controls
- Hybrid and innovation measures
PAS 2035 Retrofit Insurance
- Retrofit Assessors
- Retrofit Designers
- Retrofit Coordinators
With Professional Indemnity matched to PAS 2035 obligations.
SWIGA-Compliant EWI & IWI Installer Insurance
Includes:
- EWI & IWI installation liability
- System design liability
- Moisture & ingress risk cover
NICEIC Electrical Contractor Insurance
- For electrical installers, EV chargers, renewables, testing & inspection.
NAPIT Installer Insurance
- For electrical, mechanical, insulation, heat pumps, heating systems and retrofit trades.
ECO4 Delivery Partner Insurance
- Designed for volume installers and coordinators working on funded schemes.
IAA Insurance – Insulation Assurance Authority
SRS Insurance provides compliant insurance for all IAA-registered contractors, including:
- Loft, cavity, external wall, internal wall, floor & hybrid insulation
- Retrofit assessment, design & coordination
- ECO4-funded work
- Ventilation requirements under PAS 2035
- Heating & heating controls installers
We ensure your policy meets or exceeds IAA requirements — with no retrofit-breaking exclusions.
SWIGA Insurance – Solid Wall Insulation Guarantee Agency
Our SWIGA-approved insurance solutions include:
- External Wall Insulation (EWI)
- Internal Wall Insulation (IWI)
- System design liability
- Condensation, damp and moisture cover
- Long-tail liability protection
- ECO4 compliance
NICEIC Insurance – Electrical Contractors
Our NICEIC-ready policies ensure compliant cover for:
- Electrical installation & testing
- Renewables & EV chargers
- Heating systems & heating controls
- Smart-home technologies
- Professional Indemnity for certification & design
- Public Liability & Product Liability
- Optional employers’ liability, tools and contract works
NAPIT Insurance – Electrical, Heating & Retrofit Contractors
We provide specialist NAPIT contractor insurance covering:
- Electrical contracting
- Heat pumps & low carbon heating
- Boiler installations & heating controls
- Insulation measures (EWI, IWI, CWI, loft, floor, RIR)
- Retrofit and PAS 2035 activities
- ECO4 delivery partners
Who SRS Insurance Supports
We work with contractors across the entire energy-efficiency and installation ecosystem:
- Insulation installers (EWI, CWI, IWI, loft, floor, RIR, hybrid)
- Electrical, heating & renewable installers
- Heating engineers & heating controls specialists
- PAS 2030 installers
- PAS 2035 assessors, designers & coordinators
- ECO4 contractors
- System designers
- Managing agents
- Multi-trade contractors
Why Choose SRS Insurance?
- Full understanding of IAA, SWIGA, NICEIC & NAPIT requirements
- Zero exclusions that break PAS 2030/PAS 2035 compliance
- Specialist PI for retrofit roles
- Fast quotes & instant documentation
- We work only with UK A-rated insurers
- Dedicated account manager
- Designed for ECO4 & future government schemes
Get a Scheme-Compliant Insurance Quote from SRS Insurance
Make sure your insurance protects your accreditation — not jeopardises it.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
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.