Insurance Products

hetas_insuranceBusiness Insurance for Installers & Retailers*

Cover is available for:

  • Public Liability – Protects you if you have acted negligently and caused injury to a member of the public or damage to their property.
  • Financial Loss – Offers cover to your client should they suffer a financial loss as a result of your business activities.
  • Inefficacy Cover – To protect you in the event a product or services you provide fails to work correctly.
  • Professional Indemnity – This protects you from errors in testing, certification and design work and also any wrongful advice given to your client.
  • Legal Expenses – Cover pays for your legal costs against property, employment, tax and contractual disputes under £5,000 as well as bad debts over £500.

Additional Covers

To further enhance your cover you can choose to add the following covers to your policy:

  • Tools and Stock – Provides cover for accidental damage and theft cover for your tools and stock including from an unattended vehicle overnight.
  • Personal Accident – Cover which provides a weekly benefit for up to a year in the event of an injury preventing you from working.
  • Contract Works – Provides all risks cover on your materials on site as well as damage caused to your works in progress.
  • Hired in Plant – Cover protects your responsibility to the hirer for loss or damage to the plant whilst in your control.
  • Directors’ & Officers’ – Insurance protects you if you are found personally responsible for a wrongful act in your capacity as a director or officer.

Can HETAS Insurance Services cover my van?

We know that for most HETAS members your van or commercial vehicle is essential to your work. That’s why we pride ourselves in providing you with the same great service in commercial vehicle insurance as we do with business insurance.

As HETAS members you have access to tailored vehicle insurance solutions which can include:

  • Windscreen cover
  • Comprehensive cover including replacement van cover if your vehicle is involved in an accident.
  • Access to a 24/7 emergency claims handling service provided by insurers

We regularly arrange enhanced bespoke policies for HETAS members. Whatever your needs might be, give the team a call on 01905 886462 and we will be happy to help.
To view our policy wordings please click on the links below:

For all Installer policies renewed before 01/01/2018 please refer to the Hiscox policy here.  For all policies renewed after this date please refer to the RSA policy here.

Click here to view the Retailer Policy Wording (opens a zip file)

*All quotations are subject to individual circumstances and insurance coverage may be subject to certain limitations or exclusions.

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