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Heating Engineers Insurance

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Tradesman Saver’s Heating Engineer Insurance Cover

Our standard cover is:

  • Up to £5 million cover for public and products liability
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

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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What’s included with our Automatic Cover

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How our heating engineers insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a Quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Understanding public liability insurance for heating engineers

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.

Why do you need heating engineer public liability insurance?

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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 does heating engineer insurance cost?

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.

Prices start from £248.04 Get A Quote

Heating engineer insurance quote examples

£21.84 / month £248.04 / year A gas safe heating engineer working on domestic, retail and small commercial properties
  • Heating Engineer
  • No employees
  • 5 years experience
  • Based in Manchester
  • No claims

Automatic Covers

  • Public Liability £1,000,000
  • Financial Loss £10,000
  • Products Liability £1,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident Not Insured
  • Employers Liability Not Insured
  • Tools / Equipment Not Insured
  • Contract Works Not Insured
  • Professional Indemnity Not Insured
£871.88 / month £76.73 / year A gas safe heating engineer working on domestic, retail and small commercial properties
  • Limited Company
  • 2 Employees
  • 5 years experience
  • Based in London
  • No claims

Automatic Covers

  • Public Liability £2,000,000
  • Financial Loss £10,000
  • Products Liability £2,000,000
  • Legal Expenses £250,000
  • Accidental Death £10,000

Optional Covers

  • Business Contents Not Insured
  • Personal Accident Not Insured
  • Employers Liability £10,000,000
  • Tools / Equipment £1,000
  • Contract Works Not Insured
  • Professional Indemnity Not Insured

The above quote examples were taken from our online system on 07/04/22.  These are real quotes but your own personal quote will vary dependent upon your circumstances and the level of cover you require.


Insurance coverExcess
Public Liability£500
Products Liability£500
Employers LiabilityNo Excess
Financial Loss10% of claim value(£2,500 minimum)
Professional Indemnity10% of claim value(£2,500 minimum)
Contract Works£250(£500 Theft/Malicious Damage)
Tools / Equipment£100(£250 Unattended vehicle)
Legal ExpensesNo Excess

Chosen by over 5000 businesses and counting *

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our tradesman cover starts from the moment you purchase.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as at 31/03/2022
£50 from
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When a friend you refer takes out a new policy, we’ll give £25 to them, and £25 to you.

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Heating engineer insurance: FAQs

Do I legally need heating engineer insurance?

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 insurance do I require?

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.

What additional covers might I want on my heating engineer insurance policy?

Other covers you might want to consider include tools insurance for your all-important tools, van insurance for your vehicle and business contents cover for equipment like PCs and phones.

What limit of indemnity will I require?

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. See our optional cover page on professional indemnity insurance.

How do I make a claim on my heating engineer insurance policy?

To make a claim on your heating engineer insurance policy, you first need to get a form from your provider. When filling it out, 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.

Which details do I need to provide to get a quote?

 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.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 19% of new customers paid less than £59 between 1st January 2021 and 28th February 2021. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2022 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register.
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