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.
What Is ECO4 / ECO+?
ECO4 (Energy Company Obligation – Phase 4) is a UK government scheme that requires energy suppliers to fund the installation of energy-saving measures in qualifying homes.
ECO+ expands the scheme to include middle-income households and a broader range of housing stock.
Typical measures include:
- Boiler upgrades and replacements
- Loft, cavity, and solid wall insulation
- Air source heat pumps and renewable systems
- Solar panel installations
- Whole-house retrofit and PAS2035 projects
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.