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.