FS Register FRN 1029698
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13+ years specialist broking experience
Retrofit & Insulation Installer Insurance Cover for Insulation Installers, Retrofit Coordinators & Assessors
Liability, professional indemnity and contract cover for businesses insulating and retrofitting UK homes, including cavity wall, external wall and loft installers, retrofit coordinators and assessors working to PAS 2035 and PAS 2030.
Retrofit and insulation installer insurance covers businesses that improve the energy efficiency of existing buildings, including cavity wall, external wall, internal wall and loft insulation installers, along with retrofit coordinators, assessors and designers. Installers need public and products liability for damage caused by their work, employers' liability, contract works and tools cover. Coordinators and assessors need professional indemnity for their advice and design decisions. The trade carries a long tail of claims: badly fitted or unsuitable insulation can cause damp and structural problems that appear years later. Insurers therefore look at the products used, installer training and certification, the guarantee arrangements, the type of properties worked on and any history of complaints. Firms with past claims can still find cover, but they need a specialist approach.
Key facts at a glance
- Claims can appear years later. Damp and defects from poor installation often surface long after the job is finished.
- Products liability is central. Cover must respond to damage caused by the insulation itself, not just the work.
- Coordinators need PI. Retrofit coordinators and assessors make design decisions that need professional indemnity.
- Certification matters. Insurers look for PAS 2030, PAS 2035 and TrustMark registration.
- Past claims don't rule you out. Specialist markets will look at installers with a history, with the right presentation.
Who needs retrofit and insulation installer insurance?
We arrange cover for businesses across the retrofit chain, from assessment to installation.
- Retrofit coordinators and assessors. PAS 2035 roles that assess homes and plan measures. See retrofit coordinator insurance.
- Cavity wall insulation installers. See cavity wall insulation installer insurance.
- External and internal wall insulation installers. See external wall insulation installer insurance.
- Loft, floor and roof insulation installers. Including spray foam.
- Whole-house retrofit contractors. Combining insulation, ventilation and heating upgrades.
- Installers with a claims history. See insurance after a claim.
What does installer insurance cover?
A typical programme combines liability, professional, contract and equipment covers.
| Cover | What it protects | Watch out for |
|---|---|---|
| Public liability | Damage to homes and injury to people during the work | Exclusions for damp, condensation or gradual damage |
| Products liability | Damage caused by the installed product later on | Exclusions for specific insulation types |
| Professional indemnity | Errors in assessment, design and specification | Not included in liability policies |
| Employers' liability | Injuries to your staff | Working at height and scaffolding |
| Contract works | Work in progress and materials on site | Theft of materials from vans and sites |
| Tools and plant | Blowing machines, scaffolding and tools | Hired-in equipment |
If you also install heat pumps or solar, see our renewable energy installer insurance page.
Why is insulation work a specialist risk?
The biggest risk is not an accident on the day but a defect that shows up later. Insulation fitted to an unsuitable wall can lead to damp, mould and structural damage years after installation.
Cavity wall insulation has a long history of complaints and claims, and external wall insulation has faced scrutiny over poor installations under government-funded schemes. Insurers know this. They want evidence that properties are surveyed properly, that suitable products are used, and that work is signed off and guaranteed.
Many standard liability policies exclude damage caused by damp or condensation, or limit products cover for insulation. That can leave an installer exposed to exactly the claims most likely to arise.
If your liability policy excludes damage from damp, condensation or gradual causes, it may not respond to the most common insulation claims. Ask your broker to confirm how the wording works.
What do insurers ask about an installer?
Insurers look at the work, the products, the paperwork and the history.
- Measures installed and the split of work by type
- Products and systems used, and their certification
- PAS 2030, PAS 2035, TrustMark and scheme registrations
- How properties are surveyed before work starts
- Guarantee arrangements for completed work
- Use of subcontractors and how they are checked
- Complaints, remedial work and claims history
How can installers improve their terms?
- Survey every property. Record suitability before installing.
- Use certified systems. And follow the manufacturer's instructions.
- Keep job records. Photos, surveys and sign-offs for every installation.
- Arrange guarantees. Insurance-backed guarantees reassure underwriters.
- Handle complaints well. Show how issues are put right.
- Check subcontractors. Make sure they carry their own cover.
Frequently asked questions
Public and products liability, employers' liability, contract works and tools cover, plus professional indemnity if you design or specify.
Yes. Coordinators make assessment and design decisions that need PI cover.
Only if the policy does not exclude them. Many standard wordings exclude damp and condensation.
Often, yes, through specialist markets with a full explanation of what happened and what changed.
Yes. Certification and scheme registration help show your work meets the standards.
It can be, but it is closely scrutinised and must be disclosed.
Many schemes require them, and they help with insurers too.
Labour-only subcontractors can often be covered. Bona fide subcontractors need their own insurance.
Yes, especially for external wall insulation and scaffolding work.
Claims can be made years after installation, so continuous products cover matters.
Yes, with training, certification and a clear business plan.
Usually within days for straightforward risks, longer if there is a claims history.
Related guides from Miller & Partner
Miller & Partner Limited (FRN 1029698) is an Appointed Representative of Gauntlet Risk Management Ltd (FRN 308081), which is authorised and regulated by the Financial Conduct Authority. Miller & Partner Limited is registered in England and Wales (company number 16206282) and trades from Vivian House, Roman Bridge Close, Mumbles, Swansea SA3 5BG. This page is general information, not a personal recommendation or an offer of cover. Cover is subject to insurer acceptance and the full terms, conditions and exclusions of the policy issued.
John was very helpful in an area where other brokers could not find policies that met the needs of my business. Quick responses and always friendly!
I’ve been dealing with John for our specialist crime scene and biohazard cleaning insurance, and the service has been excellent. He took the time to understand the nature of our work and ensured we had the right level of cover in place. Responsive, knowledgeable, and easy to deal with throughout. Would recommend 100%
John M provided excellent support in arranging a policy suited to our needs. Despite our niche requirements, he communicated everything clearly and made the process simple. Highly recommended!
MEET THE Director
Hey, I'm John!
I started Miller & Partner with the aim to bring back personable, approachable broking to UK businesses who were tired of large corporate brokers and feeling like they were just another number.
I have built this brokerage up with no pushy sales techniques or big business tactics, just honest, approachable and professional relationships with my clients.
Over 13 years experience in business insurance
Client first approach
5* rated broker on Google
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
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