FAQs

ECO4 Insurance FAQ

For energy efficiency contractors, installers, landlords, and retrofit professionals

ECO4 (Energy Company Obligation Phase 4) is a UK government scheme requiring energy suppliers to fund the installation of energy efficiency measures in qualifying homes.
ECO+ is an extension to help more properties benefit, including middle-income households and broader housing stock.

Measures include:

    • Boiler replacements
    • Loft and cavity wall insulation
    • Air source heat pumps
    • Solar panels
    • Whole-house retrofit projects

Typical roles include:

  • Retrofit assessors and coordinators (PAS2035 compliant)
  • Installers and trades (boilers, insulation, solar)
  • Project managers and surveyors
  • Landlords using ECO to upgrade stock
  • Housing associations
  • Subcontractors working under TrustMark-approved companies

Because of the public funding, high compliance requirements, and physical works on homes, a combination of specialist insurances is required, such as:

Core Cover:

  • Public Liability Insurance – Protects against injury or damage to property (required by TrustMark and PAS2030)
  • Employers’ Liability Insurance – Mandatory if staff or subcontractors are employed
  • Contractors All Risks – Covers works in progress, materials, and on-site liabilities
  • Professional Indemnity – For retrofit assessors/coordinators giving advice or assessments
  • Installation Warranty Insurance – 25-year cover for works like insulation (required under ECO)

Optional/Recommended:

  • Non-Negligence Insurance (JCT 6.5.1) – Especially for solid wall insulation or major works
  • Tools & Equipment Cover – Including while stored in vans or on-site
  • Cyber Insurance – If managing tenant data or digital compliance submissions
  • Legal Expenses Insurance – For disputes with councils, clients, or contractors
  • Not having Professional Indemnity for coordinators or assessors
  • Assuming standard Public Liability covers government-backed installs
  • Failing to provide valid installation warranties or meet PAS requirements
  • Under-insuring multiple teams or subcontractors
Prices vary by size, turnover, and risk exposure.
  • Small ECO installer: From £500–£1,500/year
  • Full retrofit coordinator setup with CAR and PI: £1,500–£3,000+
  • Larger TrustMark-approved installer with teams: £5,000+/year

Reach out to us

If you have any questions or need further assistance with any of our insurance products please use the form and reach out to us.

One of your team members will be back in touch shortly after.

Please fill out the form below