Cheap heating engineer insurance you can trust
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Heating engineer insurance gives you a financial safety net if you happen to be affected by unlucky incidents such as injury, damaged property (whether yours or a client’s), or even the accidental death of an employee. The heating engineer package from Tradesman Saver gives you comprehensive cover, including public liability, tool, business contents and personal accident insurance, which guarantee you won’t be in charge of paying the resulting costs.
Another policy that may be important for a heating engineer’s business is employer’s liability, which is required under the law for any trader who employs staff. At Tradesman Saver we have all the coverage you will need as a heating engineer, and you can get your quote online in minutes.
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There are many insurance options that would benefit your heating engineer business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if:
Moreover, since heating engineers naturally often use appliances at incredibly high temperatures, the potential to accidentally start fires is increased, which can lead to substantial public liability insurance claims. This is because clients could easily come into contact with hot equipment and burn themselves.
For those who only carry out gas fittings and engineering, like central heating contractors, public liability insurance for gas engineers is a must. This is because there’s a real risk of causing unintended damage to property or injury to people due to the use of heavy equipment, among other factors.
The reason public liability insurance is so important is that it shields you from the costly compensation claims and expenses that result from any damage or harm caused by your professional activities. If a member of the public is injured and you do not have adequate cover to meet a claim they raise against you, that could mean the end for your business.
Secondly, this policy is a great way to signal to customers that you are a safe option. Your clients will be happier to work with tradesmen that have airtight cover, since an engineer who is committed to ensuring safety and security for themselves and their customers appears more serious and therefore trustworthy.
How much your insurance costs will be impacted by aspects such as how big your contracts are, your experience, and your claims history. The type of cover you opt for can also help determine the price.
Here at Tradesman Saver, our policy for heating engineers includes a few extra covers as standard, including legal expenses, financial loss and accidental death insurance. Consequently, you’ll get some of the most comprehensive cover on the market.
Compare Quotes
£38.04 / month £422.24 / year A gas safe heating engineer working on domestic, retail and small commercial properties
£90.57 / month £1,019.20 / year A gas safe heating engineer working on domestic, retail and small commercial properties
The above quote examples were taken from our online system on 06/11/25 and include insurance premium tax but exclude our £10 admin charge. These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.
Most insurance policies will be subject to an excess. This is the amount you will be expected to pay in the event of a claim. Detailed below are the standard excesses under a Tradesman Saver policy but you should check your own quotation to see exactly what excesses apply to your policy as these may vary dependent upon the type of work you do.
| Insurance cover | Excess |
|---|---|
| Public Liability | £500 |
| Products Liability | £500 |
| Employers Liability | No Excess |
| Financial Loss | 10% of claim value(£2,500 minimum) |
| Professional Indemnity | £250 |
| Contract Works | £250(£500 Theft/Malicious Damage) |
| Tools / Equipment | £100(£250 Unattended vehicle) |
| Legal Expenses | No Excess |
* Total number of live policies as of 31/10/2025
Strictly speaking, you don’t require heating engineer insurance by law unless you hire employees. In that case, you’ll need employer’s liability insurance. However, getting heating engineer insurance is not only a great financial decision, but will give you a much better chance of attracting clients.
How much heating engineer insurance you need is affected by aspects like how dangerous your jobs are, the size of your contacts, and the cost of your equipment. We can help you work this out if you’re uncertain.
Other covers you might want to consider include tools insurance for your all-important tools and business contents cover for equipment like PCs and phones in your home office.
An indemnity limit is the maximum amount that an insurer will pay out for any single claim, and typically within any singular policy year. If you are using heat on expensive properties, it’s worth considering increasing the indemnity limit appropriately. You can select an indemnity limit of between £1M and £5M.
To make a claim on your heating engineer insurance policy, you just need to contact us or your insurer directly. Before you do though, check that you’re within the time limits for making a claim and that your policy covers what you’re claiming for. You should also see what the excess is so you’re aware of how much to contribute towards the claim.
The main information you’ll need to give when obtaining a heating engineer insurance quote is your name, address and the type of work you undertake.
Here at Tradesman Saver we have all the coverage you may need as a heating engineer or contractor, and you can get your quote online in minutes.
From only£55per year 
From only£75per year 
