Heating & Gas Engineer
Public Liability insurance
Your cover options
Essentials
Our heating engineer's Essentials package includes Public Liability insurance and cover for Financial Loss.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Financial Loss £100,000
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
Plus
Our most popular option, the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
- Personal Accident cover up to £600 a week per person
Extras
Looking for extra insurances for your building work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
Why do you need insurance for heating & gas engineers?
You and your company may be financially liable for the result of accidents caused by you, your company or a contractor, either on your site or elsewhere. Public liability claims can be very expensive, which could have a major impact on you and your business. As well as giving you peace of mind to get on with your job, many companies and trade associations require evidence of public liability insurance.
Heating and gas engineer public liability insurance
Our heating and gas engineers’ public liability insurance offers you limits of £1 million, £2 million and £5 million cover against liability claims made against you by members of the public. We’ve developed a unique combined liability insurance policy with Zurich Insurance Company Ltd – giving you the comfort of having backing from one of the biggest names in the insurance world. Plus, you have the option to pay in monthly instalments on Direct Debit.
Who do we cover?
- Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships
- Heating and gas engineers who work on domestic and commercial properties
- Individuals and small to medium sized businesses specialising in installation or maintenance work
- Businesses with turnover of up to £3 million
Flexible cover
If you have others working for you on a permanent or temporary basis, it is a legal requirement to have employers’ liability insurance. £10 million of cover is included as standard with your policy to provide cover in the event that an employee is injured or has an accident at work due to your negligence.
With classic and plus cover, our tradesmen insurance for self-employed heating and gas engineers includes £1,000 of all risks Tools insurance. Your tools are covered 24 hours a day, and this cover protects you in the event that they are stolen from a locked vehicle or damaged anywhere in the UK.
Professional Indemnity insurance of £100,000 is also included as standard with our classic and plus cover.
Optional extras
To enhance the security offered by your policy, jury service cover is available. This is designed to provide the policyholder with a daily income of £250 for the first 10 days and £50 per day thereafter, while they are performing jury service.
If you choose our plus cover personal accident insurance is included, which provides a weekly income if you are unable to work as a result of an accident at work.
Cover for bigger businesses
We provide heating and gas engineers’ liability insurance online for businesses with an annual turnover up to £3 million and up to 15 manual employees. If your business is bigger than this, please ring our UK based team on 0800 0280 380 for a quote, or find other ways to contact us via our contact us page.
Property types
We offer cover for work at different property types:
- Domestic only – Cover for private dwellings only
- Domestic & Light Commercial – Cover for private dwellings, shops, offices, public houses, guest houses, hotels, schools, restaurants and takeaways
- Commercial excluding hazardous locations – Cover for all types of property except work in or on railways, railway installations, watercraft, blast furnaces, chimney shafts, collieries, dams, gas works, mines, power stations, steeples, towers, tunnels, bridges, viaducts, canals, docks, piers, wharves, quarries, chemical works, oil refineries or fuel depots, work in or on aircraft, work in or on airport or aerodrome runways maneuvering areas or aprons, or those parts of airports or aerodromes to which aircraft have access
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