ECO4 Contractor Insurance

Specialist Insurance for ECO4 Installers, Retrofitters & Coordinators

The ECO4 scheme is transforming energy efficiency across the UK — but for those delivering funded upgrades, the risks are complex, the compliance is strict, and the insurance needs are highly specific.

At Qudos Insurance Brokers, we specialise in insurance for businesses working in the ECO industry — including installers, retrofit contractors, project designers, PAS2035 professionals, and TrustMark-registered companies. Whether you’re a start-up working on your first local authority contract or a seasoned energy solutions provider, we build cover that meets your obligations and your operational realities.

What Is ECO4 Contractor Insurance?

This is a bespoke insurance package built for those involved in surveying, designing, managing, or installing energy-saving measures in homes under the ECO4 or ECO+ scheme. It combines essential contractor cover with sector-specific protections for compliance and certification.

What Does It Cover?

A full ECO4 contractor policy typically includes:

  • Public Liability Insurance
    • Required for installing energy-saving measures in people’s homes
    • Covers injury to third parties or damage to the property
  • Employers’ Liability Insurance
    • Legally required for all staff, labourers, or subcontractors
    • Covers injury or illness resulting from work done on behalf of your business
  • Professional Indemnity Insurance (PII)
    • Vital for anyone involved in design, coordination, or assessment under PAS2035
    • Covers errors in heat loss calculations, retrofit designs, or installer instructions
  • Contract Works / Contractors All Risks (Optional)
    • Protects materials, part-completed works, and site risks
  • Tools & Equipment Insurance
    • Covers hand tools, diagnostic devices, and kit whether on-site or in transit
  • Legal Expenses Insurance
    • For contract disputes, HSE investigations, or employment issues

Who Needs This Cover?

  • ECO4 Installers (e.g. insulation, heat pumps, solar PV, ventilation systems)
  • Retrofit Assessors and Coordinators (PAS2035-compliant professionals)
  • EPC Surveyors
  • Building Services and Energy Contractors
  • Subcontractors working under TrustMark-registered firms
  • Energy efficiency consultants and project managers
  • Construction businesses diversifying into ECO-funded work

Why It’s Different from Standard Contractor Insurance

Most traditional contractors’ policies won’t:

  • Cover design risk unless PII is specifically arranged
  • Understand PAS2030 / PAS2035 obligations
  • Satisfy funding body and TrustMark documentation requirements
  • Provide correct liability language for LA or scheme administrators

We’ve worked with ECO specialists and understand exactly what’s required to stay compliant and get paid.

Why Choose Us?

  • We work with brokers who understand ECO4, PAS2035 and retrofit frameworks
  • We’ve supported start-ups and scaling contractors through TrustMark approval
  • We can package everything into one easy-to-manage policy
  • We offer fast quotes, flexible payment plans, and personal service — no call centres

PI + PL + EL in one tailored policy
Start-up friendly — we’ll help you structure the cover properly
Experience across retrofit design, coordination, and installation

Get a Quote Today

Whether you’re bidding for your first funded project or scaling across multiple boroughs, we can help you stay compliant, protected, and project-ready.

Speak to our ECO4 insurance team now for expert advice and a fast quote.