Who Needs ECO Installer Insurance?
The UK’s Energy Company Obligation (ECO4) scheme is driving large-scale energy efficiency improvements across the country — but it also brings complex compliance and liability requirements.
At SRS Insurance, we specialise in protecting ECO and retrofit professionals, including:
- Solid wall, loft, cavity, and underfloor insulation installers
- Retrofit coordinators, assessors, and designers (PAS 2035)
- Renewable installers (solar, heat pumps, ventilation)
- Surveyors and EPC assessors involved in pre-installation stages
- Companies operating under TrustMark or local authority frameworks
Whether you’re new to ECO or managing large multi-measure projects, your insurance must align with your contractual and regulatory duties — not just your tools or vehicles.
The Core Covers You Need
Public Liability Insurance (PL)
Protects against third-party injury or property damage caused by your work — e.g. a damaged wall or scaffold incident.
Required for all on-site work and a minimum condition for TrustMark and PAS 2030 compliance.
Employers’ Liability Insurance (EL)
Legally required if you employ anyone (including subcontractors in many cases).
Covers workplace injuries and fines of £2,500 per day for non-compliance.
Professional Indemnity Insurance (PII)
Essential if you’re involved in designing, specifying, or coordinating works (e.g. retrofit coordination under PAS 2035).
Many installers only insure as “energy assessors” — leaving retrofit liability excluded.
Retrofit designers and coordinators must hold tailored PII to satisfy scheme and funding requirements.
Contract Works / Contractors’ All Risks (CAR)
Covers works in progress, site materials, and unfinished installations (e.g. flooding ruins insulation before sign-off).
Especially vital for insulation, external wall, and solar installers.
Tools & Plant Insurance
Protects your equipment, tools, and machinery whether on-site, in vans, or in lockups.
Legal Expenses Insurance
Covers disputes, employee claims, and TrustMark or trading standards investigations.
Common Mistakes ECO Installers Make
Insuring as “Energy Assessor” Only
This restricts PII to EPC reporting, excluding retrofit design and advice.
Fix: Choose PII that explicitly covers PAS 2035 design, coordination, and risk modelling.
Using Standard Trade Policies
Generic “domestic installer” or “plumber” policies exclude government-funded work and don’t meet TrustMark standards.
No Contract Works or Stock Cover
If materials are damaged or stolen before installation completion, you may be uninsured.
Fix: Add Contract Works and Goods in Transit protection.
Why ECO Work Requires Specialist Insurance
ECO4, GBIS, and related retrofit schemes involve:
- Public funding and local authority contracts
- PAS 2030 / 2035 technical compliance
- Consumer protection and audit trails via TrustMark
- Professional accountability for risk assessments and design
Each stage — from assessment to installation — carries its own liability. That’s why generic trade insurance is rarely sufficient.
Why Choose SRS Insurance
- Specialists in ECO4, PAS 2030, and retrofit contractor insurance
- Access to leading UK underwriters for renewable and retrofit sectors
- Combined PL, EL, CAR, and PII packages
- Guidance for new entrants and TrustMark-accredited firms
- Compliance support for funding and audit documentation
- Fast, flexible quotes with same-day confirmation
We understand the retrofit industry — from your PAS documentation to installer warranties — ensuring your policy supports, not hinders, your business.