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Insurance for air conditioning technicians
Insurance for air conditioning and refrigeration technicians: public liability for the homes and sites you work on, cover for your gauges, tools and van, and the licences your work depends on. Tell us what you do and a licensed broker compares quotes for you.
- Air conditioning technician set as your occupation (ANZSIC 3234)
- Public liability, tools and vehicle in one request
What insurance do air conditioning technicians need?
Most air conditioning technicians start with public liability, because builders, head contractors and clients ask for it before you start. Tools and the work vehicle usually come next, and workers compensation once you take on an apprentice or employee. Residential work above set values also needs a licence.
Licence thresholds for residential work
| State | When you need a licence |
|---|---|
| Everywhere | A refrigerant handling licence from the Australian Refrigeration Council to install split systems. A restricted licence covers single-head splits under 18kW; a full licence covers all air conditioning. |
| NSW | A contractor licence for residential building work valued at more than $5,000 in labour and materials, including GST. |
| Queensland | A QBCC licence for building work valued over $3,300. |
Electrical work also needs an electrical licence.
The covers air conditioning technicians usually hold
| Cover | Why |
|---|---|
| Public liability | Water damage from a condensate leak, or a client tripping over your gear. |
| Tools and equipment | Gauges, vacuum pumps, recovery units and tools. |
| Commercial vehicle | The van you work from. |
| Workers compensation | Once you take on an apprentice or employee. |
What air conditioning public liability won’t cover
These need other cover, or aren’t insurable:
- Fixing your own faulty work.Public liability responds to the injury or damage your work causes, not the cost of redoing it.
- Your tools.Tools insurance
- An injured apprentice.That’s workers compensation.
How to compare air conditioning insurance
Air conditioning insurance questions
Do air conditioning technicians need a licence?
Yes. Installing split systems needs a refrigerant handling licence from the Australian Refrigeration Council, and electrical work needs an electrical licence.
What is the difference between a full and restricted licence?
A restricted splits licence covers single-head split systems under 18kW. A full licence covers any air conditioning system.
Do I need public liability insurance?
It isn’t compulsory everywhere, but builders, strata managers and most clients require it.
Does public liability cover water damage from an install?
It can cover accidental damage to other people’s property, subject to the policy. Check the PDS.
Can air conditioning technicians compare insurance online?
Yes. Air conditioning technicians can request quotes online.
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