What insurances should a HVAC subcontractor have?
Last reviewed July 5, 2026
HVAC subcontractors should have public liability insurance, workers compensation insurance, and professional indemnity insurance. These cover potential damages, employee injuries, and any professional mistakes that could affect the project.
Key points
- Public liability insurance for damages.
- Workers compensation for employee injuries.
- Professional indemnity for mistakes.
Make sure your HVAC subbies are covered. Public liability protects against damages to property or injury to people. Workers compensation is a must for any injuries on the job. Professional indemnity covers issues with their work that might lead to claims.
How Alloovium helps
Alloovium helps track compliance and insurance details for subcontractors to keep everything in check.
See how it worksRelated questions
- How do I check a HVAC subcontractor's compliance documents?
- How do I manage HVAC subcontractors on site?
- What licences does a HVAC subcontractor need in Australia?
- What should be in a HVAC subcontract scope of works?
- How do I check a carpentry subcontractor's compliance documents?
- How do I manage carpentry subcontractors on site?
General information for Australian construction professionals — not legal advice. Verify jurisdiction-specific requirements with the relevant regulator.