Public liability and professional indemnity cover built for heating and gas engineers, alongside the Gas Safe registration the law requires for gas work.
Public liability and professional indemnity cover built for heating and gas engineers, alongside the Gas Safe registration the law requires for gas work.
Tools coverInstallation workCertification work
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Heating and gas engineer insurance is a combination of covers built around installing and servicing boilers, heating systems and gas appliances, public liability for injury or damage, professional indemnity for design and safety advice, and employers’ liability if you have staff. It’s separate from Gas Safe registration, which is a legal requirement for any gas work in Great Britain.
A poorly installed or serviced gas appliance can cause carbon monoxide poisoning, one of the most serious risks in any trade, and exactly why insurers look closely at qualifications and cover levels for gas work.
Heating & gas engineer insurance can include:
Public liabilityEmployers’ liabilityProfessional indemnityTools & equipmentCover up to £5-10 millionBusiness van insurance (separate policy)
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Professional Indemnity
Covers claims that your advice or design was negligent and caused a loss.
Business Contents
Protects tools, stock and equipment kept at a workshop or unit.
Tools & Equipment
Covers your tools and testing equipment against theft.
Do you need public liability or professional indemnity?
Do you need public liability or professional indemnity?
Most heating and gas engineers need both. They cover different kinds of mistake.
Most heating and gas engineers need both. They cover different kinds of mistake.
| Situation | Public liability | Professional indemnity |
|---|---|---|
You install to someone else’s design or spec | Usually enough on its own | Not the main risk |
You design a heating system or advise on appliance safety | Recommended alongside Professional Indemnity | This is exactly what it’s for |
Your work damages a client’s property | Covers the physical damage | Won’t respond to physical damage on its own |
A safety certificate or service report you issued was wrong | Only if the mistake has caused injury or physical damage | Covers a claim that a certificate or system design you issued was wrong |
Top Tip
If you sign off appliances as safe, you’re giving professional advice that a client and their family are relying on. Professional indemnity covers the cost if that advice turns out to be wrong.
There’s no fixed price. It depends on the type of gas and heating work you do, whether you have staff, your level of cover and your claims history.
Type of work
Commercial gas work is rated differently to domestic servicing and repairs.
Level of cover
Higher public liability limits, common for gas work, increase your premium.
Number of staff
More employees increase your employers’ liability exposure.
Certification work
Issuing safety certificates increases your professional indemnity risk.
Value of your tools
More expensive testing equipment means a higher tools cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get heating & gas engineer insurance
How to get heating & gas engineer insurance
Getting heating & gas engineer insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting heating & gas engineer insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your work
The type of gas and heating work you do, and whether you have staff.
Choose your covers
Public liability, professional indemnity and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Heating & gas engineer insurance guides
Heating & gas engineer insurance guides
Practical advice on cover, certification and staying protected.
Practical advice on cover, certification and staying protected.
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Heating & gas engineer insurance FAQs
Heating & gas engineer insurance FAQs
Straight answers on cover, Gas Safe registration, certification and cost.
Straight answers on cover, Gas Safe registration, certification and cost.
Heating and gas engineer insurance is a combination of covers built around installing and servicing boilers and gas appliances: public liability for injury or damage, professional indemnity for design and safety advice, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Heating and gas engineers often work alongside these trades. Each has its own cover requirements.
Heating and gas engineers often work alongside these trades. Each has its own cover requirements.
Plumber Insurance
Pipework and water systems connected to every heating install.
Electrician Insurance
Controls, wiring and boiler connections.
Chimney Sweep Insurance
Flues and ventilation serving gas appliances.
