HVAC & Mechanical Engineer Insurance: PI & Liability Cover
Get customised insurance that covers your real risks as HVAC and mechanical services engineers — from design errors and system failures to bodily injury on site and project delays.
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Typical Turnaround
Specialist
Sector Cover
Recognition
Understanding Your Cover
What is HVAC & Mechanical Engineer Insurance?
This specialist insurance is coverage designed for professionals who provide technical services, advice, or design for building systems. While Professional Indemnity (PI) is the core policy, this cover is often referred to simply as "HVAC Insurance" and typically includes essential policies like Public Liability.
It's essential for sole traders, partnerships, and incorporated engineering firms working on commercial, industrial, or high-end residential projects across Australia.
Covered Disciplines
Specialist coverage for HVAC and mechanical professionals
Our policies are tailored for engineers working across heating, ventilation, cooling, and mechanical building systems.
HVAC Engineer
Complex Systems. Complex Liabilities.
Essential Coverage
What Insurance Does an HVAC & Mechanical Services Engineer Need?
For most HVAC and mechanical engineers, two policies form the foundation of your risk management. These are almost always required by contracts.
Professional Indemnity (PI)
Protects you if a client claims your design, advice, or supervision was wrong and caused them financial loss (e.g., an undersized air-conditioning system leads to high energy bills or mould issues).
Public & Products Liability
Covers third-party bodily injury or property damage caused by your operations (e.g., a refrigerant leak damages a floor) or the goods you supply (e.g., a fan blade detaches).
Additional Protection
Other Insurances to Consider
Beyond the core policies, these covers address specific operational risks for your business.
Workers' Compensation
Mandatory if you have employees.
Commercial Motor
For work utes, vans, or trailers.
Tools & Equipment
Testing gear, laptops, and tools.
Cyber Insurance
Protect client data and building plans.
Protecting Your Firm
Why HVAC Insurance is Essential
A single design mistake in a hospital, data centre, or high-rise can lead to claims costing millions.
Australian courts and certification bodies (NER, RPEQ, VBA) expect engineers to hold adequate PI. Without the right policy, you risk personal bankruptcy and loss of registration.
High-Value Systems
HVAC engineers work on critical infrastructure where failures can cascade into major property damage or business interruption claims.
Professional registration bodies increasingly scrutinise insurance adequacy.
Real-World Claims
Claim Scenarios for HVAC Engineers
These scenarios illustrate why comprehensive Professional Indemnity and Public Liability coverage is essential.
Smoke Extraction Failure
A mechanical firm designed an undersized smoke-extraction system which resulted in increased fire damage during an incident. The building owner pursued a significant claim for the additional losses attributed to the design flaw.
Refrigerant Error
A refrigeration consultant specified the wrong refrigerant, leading to premature compressor failures across a supermarket chain. The client sought recovery of the substantial replacement and business interruption costs.
Mould Remediation
An HVAC engineer installed incorrect duct sizing which caused persistent condensation and mould growth in a school. The resulting remediation and temporary relocation costs led to a major claim.
Project Delays
Late drawings from the mechanical engineer delayed handover on a commercial development, resulting in a liquidated damages claim from the developer for the extended project timeline.
Design Defects
Design defects in HVAC, refrigeration, or fire systems.
Faulty Specifications
Faulty specifications leading to energy inefficiency claims.
Bodily Injury Extensions
Bodily injury from falling ductwork or leaks (via extensions).
Defence Costs
Defence costs, even if the claim is groundless.
Project Delays
Project delays caused by your error (via extensions).
Prior Knowledge
Known defects or omissions you were aware of before taking the policy.
Asbestos Claims
Asbestos-related claims are typically excluded.
Gradual Pollution
Gradual pollution or contamination events.
Fines & Penalties
Fines, penalties, or punitive damages.
Wear & Tear
Wear and tear or faulty workmanship (unless Contract Works is included).
Claim Scenarios & FAQs
Real-world examples and common questions
ENGINEERING RESOURCES
Guides for Engineers
Get a quote today
Protect your HVAC or mechanical engineering business with a tailored insurance package. Call us on 02 9000 1155 or request a quote online.