Heating Engineers Insurance

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 automatic 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.

Other policies that may be important for a heating engineer’s business are employer’s liability, which is required under the law for any trader who employs staff, and professional indemnity. This covers the policyholder’s legal costs if a claim is made against them as a result of a mistake they’ve made. 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: 

• A client trips over your tools and is injured
• You accidentally damage a customer’s carpet with your muddy work boots
• A pipe leaks following a job and causes extensive damage 
• You unintentionally fall and break something in a client’s house

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.