Gas Engineers Insurance

Specialist insurance for tradesmen from just £31 a month.

  • Fast, easy online quote in 90 seconds

  • Levels of cover to suit you

  • Pay by interest free direct debit

Working as a gas engineer comes with inherent risks. You are dealing with complex and dangerous systems, and each new job presents its own challenges.

From damaging a customer’s home to causing injury to yourself or others, many things can go wrong. If something bad does happen, it’s important that you have insurance in place to protect your finances.
 
At Markel Direct, we believe that we offer excellent value gas engineers’ insurance tailored to meet your precise needs. You can rely on us if things don’t go to plan.

What is gas engineers’ insurance?

Gas engineers’ insurance is designed to protect your business from a variety of risks. Available to specialists who work on gas boilers and central heating systems, it can include various types of cover, such as public liability insurance, employers’ liability insurance, tools insurance, professional indemnity cover and more.

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Public liability insurance for gas engineers

Of all the various types of financial cover available to gas fitters, public liability insurance is often considered to be the most valuable. It protects you against claims made by customers and members of the public who are injured or suffer property damage because of your business.

As a gas engineer, you will inevitably come into contact with the public. This may be in clients’ homes or in commercial premises, or both. Because of this, there is always a risk of an accident involving a member of the public or their property. For example, you might need to move a washing machine in order to install a boiler, and in doing so, you could cause a water leak that damages a customer’s flooring. Or a member of the public might trip over a toolbox you have left out and suffer an injury. In cases like these, you could be left facing significant legal bills and compensation costs. Public liability insurance is there to safeguard your finances.   

Do I need gas engineers’ insurance?

No matter how careful you are, there is always the possibility that something will go wrong. And as a gas fitter, the consequences of a mistake could be serious. If you cause a flood or a fire in a customer’s home, would your business be able to cover the costs? Or if a member of the public suffers an injury and sues you, could your finances stretch to pay for the legal and compensation costs you might face? Unless you could cope with these expenses, you will need public liability insurance. It's also important to be aware that some prospective customers may require proof that you have public liability insurance secured before they agree to use your services.

Then there are your tools to think about. You rely on your equipment to make a living, and if it was lost, stolen or damaged and you didn’t have appropriate financial cover, you could be left facing a large bill to replace or repair it. And if you have employees, even if they are part-time or temporary, you are legally required to have employers’ liability insurance in place.  

Why choose Markel Direct for gas engineers’ insurance?

At Markel, we pride ourselves on offering affordable and dependable gas fitters’ insurance. Here are just some of the reasons to choose us for this cover:

✔ No hidden fees
We are entirely transparent about our pricing, so when you buy cover from us, you won’t be hit with unexpected fees.

✔ Tailored policies
We know that gas installers’ needs differ considerably when it comes to insurance, which is why we offer tailored cover to match your precise needs.

✔ Get a quote in seconds
Getting a quote from us couldn’t be easier. Simply fill in our online form and we’ll provide you with a quote in as little as 90 seconds.

✔ Impressive customer ratings
Check out our impressive ratings on Feefo.com to see what other tradespeople think of our insurance.

✔ Legal advice helpline available 24/7
If the worst happens, you want expert legal advice straight away. That’s why we offer a round-the-clock legal helpline run by experienced solicitors.  

How to buy gas engineers’ insurance  

Buying gas fitters’ insurance from Markel Direct is quick and easy. All you have to do is complete our online quote form by answering a few questions about your business. We’ll tailor our cover to match your needs and provide you with a personalised quote.

You can arrange cover to start immediately, or up to 30 days in advance.   

How much does gas engineers’ insurance cost?

The cost of your gas engineers’ insurance will depend on various factors. For example, the size of your business, the types of financial protection you want and the level of cover you require will all have an impact.

Our policies start from £31 a month. To find out how much your insurance will cost, simply get a quote today.

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Cover starting from £31 a month

What types of insurance do gas engineers need?

  • Public liability insurance

    Public liability insurance is there to protect you against claims made by members of the public who have had their property damaged or suffered an injury because of your business. We provide gas engineers’ public liability cover of between £1 million and £5 million.

    Example of a claim:

    A boiler you recently fitted for a customer comes loose and falls off a wall, injuring the customer. They take legal action against you to secure compensation.   

  • Employers' liability insurance

    Employers’ liability insurance protects your business if a worker takes legal action over an illness or injury they have suffered due to their work. You are legally required to have at least £5 million of this type of cover in place. Our employers’ liability insurance for gas fitters is available with a cover limit of up to £10 million.

    Example of a claim:

    One of your engineers is electrocuted while doing work involving an electrical system. They take legal action, claiming you failed to provide them with appropriate diagnostic tools.  

  • Tools insurance

    Tools insurance covers the cost of repairing or replacing your equipment if it is stolen, lost or damaged. We provide cover limits ranging from £1,000 to £5,000 and you can choose to cover your tools during working hours only (8am – 6pm) or on a 24 hour basis for complete peace of mind.

    Example of a claim:  

    While your van is parked outside of a customer’s home,  , a criminal forces the locks and breaks into your van, stealing your tool box, containing a range of important tools, including a hand vacuum, circular saw, drills, adjustable spanners and screwdrivers.

  • Occupational personal accident insurance

    Occupational personal accident insurance is there to support your income if you are unable to do your job because you’re injured as a result of your work. It can provide a lump sum or weekly payments, depending on the type of injury you suffer.  

  • Owned plant insurance

    Owned plant insurance covers your own plant machinery for theft and damage. It covers the cost of replacing or repairing the machinery. We offer cover limits ranging from £10,000 to £50,000.

  • Hired in plant insurance

    Hired in plant insurance covers the cost of replacing or repairing plant machinery that you have hired from a third party if it is stolen or damaged. Our cover limits range from £10,000 to £50,000.  

  • Contract works insurance

    Contract works insurance protects the work that you and your employees are carrying out on a construction site. It is there to cover you in the event of a fire, flood or theft, or an act of malicious damage. It covers the costs of redoing or repairing the work.  

  • Goods in transit insurance

    Goods in transit insurance offers protection for goods that are moving from one location to another if they are lost or damaged. This can apply to goods being transported in your own vehicle or by a third-party carrier.

  • Professional indemnity insurance

    Professional indemnity insurance protects you if a customer makes a claim against you because of a mistake you have made while providing a professional service for a fee. This could include offering advice on a heating system.

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Cover starting from £31 a month

Frequently asked questions

Access free legal services for your gas engineering business when you arrange cover with Markel, including:

24 hour legal helpline 24/7 access to a legal advice helpline manned by qualified solicitors

Legal hub access Access legal templates and resources with the Markel Law Hub

 Receive discounted IR35 contract reviews with your policy

 Expert management of public relations crises with The Counsel House

Cover starting from £31 a month