PAS 2030 / PAS 2035 Retrofit Installer Insurance | Assessors, Designers & Coordinators | SRS Insurance

SRS Insurance provides specialist PAS 2030 and PAS 2035 insurance for retrofit installers, assessors, designers and coordinators. Compliant cover for ECO4 and TrustMark, including insulation, heating, ventilation, assessment and design roles.

PAS 2030 / PAS 2035 Retrofit Installer, Assessor, Designer & Coordinator Insurance

PAS 2030 and PAS 2035 have fundamentally changed how retrofit works are delivered in the UK.

Installers and professionals working under these standards face new insurance obligations, increased compliance risk, and long-term liability for moisture, ventilation, thermal performance and design decisions.

SRS Insurance provides fully compliant, scheme-aligned insurance for:

  • PAS 2030 Installers
  • PAS 2035 Retrofit Assessors
  • PAS 2035 Retrofit Designers
  • PAS 2035 Retrofit Coordinators
  • ECO4 & GBIS Installers
  • Domestic & Non-Domestic Retrofit Contractors
  • TrustMark Registered Businesses

We understand the technical, regulatory and professional liability risks of retrofit — and we design insurance to match.

Why PAS 2030 / PAS 2035 Contractors Need Specialist Insurance

Retrofit involves multiple linked measures interacting inside a property’s building physics.
If something goes wrong — condensation, mould, damp, thermal bridging, under-performance — the installer or professional is the first to be blamed.

Problems we routinely see with standard policies:

  • Moisture, damp or mould exclusions
  • No cover for thermal performance or cold bridging
  • No PI cover for retrofit reports or design work
  • Exclusions for assessment or specification errors
  • Inadequate PL limits for funded retrofit projects
  • No cover for ventilation upgrades or airflow recommendations
  • No “resulting damage” cover
  • No cover for multi-measure interactions
  • No protection for long-tail ECO4 claims

Risks for retrofit professionals include:

  • Incorrect improvement pathway selection
  • Wrong ventilation strategy
  • Inaccurate energy modelling or RdSAP/EPR data
  • Defects in installation or commissioning
  • Measure interaction failure
  • Project underperformance
  • Legal disputes with homeowners or funders

PAS 2030 / PAS 2035 requires professional-grade insurance, not tradesman basics.

Insurance for PAS 2030 Installers

PAS 2030 installers must hold insurance that covers:

  • Insulation measures (EWI, IWI, CWI, loft, floor, RIR)
  • Ventilation installations
  • Heating & heating controls
  • Smart home controls
  • Fabric-first measures
  • Renewables (ASHP, PV, hybrid systems)

SRS Insurance provides:

  • Public Liability (correct retrofit endorsements)
  • Employers’ Liability
  • Professional Indemnity (if required)
  • Material damage & resulting damage cover
  • Moisture, condensation & thermal bridging cover
  • Tools, plant & contract works
  • Subcontractor liability (optional)

Our policies align with PAS 2030 installer obligations and ECO4 requirements.

Insurance for PAS 2035 Retrofit Assessors

Retrofit Assessors produce the core assessment materials that drive the entire project:

  • Occupancy Assessment
  • Energy Assessment
  • Condition Survey
  • Ventilation Risk Assessment

If any element is wrong — the whole project is wrong.

We protect Assessors against claims for:

  • Incorrect property assessment
  • Inaccurate data collection
  • Wrong ventilation risk scoring
  • Missed moisture risks
  • Wrong EPC/EPR modelling
  • Incorrect identification of defects
  • Legal disputes with Coordinators or installers
  • Client financial loss due to reworks

Included covers:

  • Professional Indemnity
  • Public Liability
  • Surveying tools & equipment
  • Errors in reporting or modelling
  • Omissions in risk assessment

Insurance for PAS 2035 Retrofit Designers

Designers are responsible for:

  • Medium- and high-risk design
  • Measure specification
  • Thermal bridging analysis
  • Moisture risk analysis
  • Ventilation design
  • Coordinating multiple measures

We cover:

  • Design decisions resulting in defects
  • Incorrect moisture or thermal modelling
  • Specification errors
  • Failure to identify pre-existing defects
  • Performance shortfalls
  • Condensation, damp or mould claims

Design work is high-liability — our PI policies reflect this.

Insurance for PAS 2035 Retrofit Coordinators

Retrofit Coordinators hold the highest level of liability in the PAS 2035 process.

They are accountable for:

  • Project oversight
  • PAS 2035 compliance
  • Design review
  • Improvement pathway decisions
  • Managing assessors & designers
  • Ensuring ventilation requirements
  • Handovers & project sign-off

Claims Coordinators face include:

  • Incorrect pathway selection
  • Failure to identify moisture risks
  • Failure to ensure proper ventilation strategy
  • Inadequate oversight of installations
  • Poor documentation or sign-off
  • Disputes with homeowners or managing agents

We provide:

  • High-limit Professional Indemnity
  • Coordinator-specific PI wording
  • Public Liability
  • Retroactive cover (optional)
  • Claims-made or occurrence-based options
  • ECO4 programme-compliant cover

Our PI wording is written specifically for Retrofit Coordinators.

Insurance for ECO4 & GBIS Installers, Agents & Coordinators

Funded schemes introduce additional risks:

  • Long-term liability
  • High volumes of installations
  • Complex measure interactions
  • Data accuracy requirements
  • Funding clawbacks
  • Administrative errors

We offer:

  • Specialist installer liability
  • PI for ECO4 data submission
  • Cover for multi-measure projects
  • Scheme audits & compliance protection

What Our PAS 2030 / PAS 2035 Insurance Covers

Core Covers:

  • Public Liability
  • Products Liability
  • Employers’ Liability
  • Professional Indemnity
  • Tools, equipment & testing tools
  • Contract works

Technical Protections:

  • Moisture, damp & condensation liability
  • Thermal bridging & cold spot liability
  • Measurement & reporting error PI
  • Design & specification PI
  • Ventilation compliance liability
  • Incorrect improvement pathway selection
  • Incorrect energy modelling
  • Resulting damage cover

Optional Add-Ons:

  • Retroactive PI cover
  • High-limit PL (£5m / £10m / £20m+)
  • Subcontractor liability
  • Office & professional equipment cover
  • Commercial fleet insurance (if needed)

Who We Insure

We insure all PAS2030 / PAS2035 roles and business types:

  • Retrofit Assessors
  • Retrofit Designers
  • Retrofit Coordinators
  • PAS 2030 Installers
  • Whole-house retrofit companies
  • ECO4 installers
  • GBIS installers
  • Managing agents
  • Multi-measure contractors
  • System designers
  • Commercial & domestic retrofit firms

Whether you operate a 1-person retrofit practice or a national ECO installation business — we tailor insurance to your risk.

Why Choose SRS Insurance for PAS 2030/2035 Retrofit Cover?

  • Specialist in retrofit, PAS 2030 & PAS 2035 insurance
  • Understanding of TrustMark, ECO4, GBIS & scheme rules
  • Proper moisture/condensation/thermal bridging cover
  • Correct PI for assessors, designers & coordinators
  • High-limit PL for installers
  • Same-day quotes & immediate documents
  • A-rated insurer panel
  • Dedicated retrofit insurance specialists

We protect you against the real liabilities of whole-house retrofit.

Get a PAS 2030 / PAS 2035 Retrofit Insurance Quote

For compliant insurance built specifically for:

  • PAS 2030 Installers
  • PAS 2035 Assessors
  • PAS 2035 Designers
  • PAS 2035 Coordinators
  • ECO4 Installers
  • GBIS Installers
  • TrustMark Registered Businesses

SRS Insurance — protecting the UK’s retrofit professionals.

Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.

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