Join over 1,200 gas engineers like you. Compare tailored insurance from trusted brands.
Get tailored quotes in 7 minutes
As a Gas Safe engineer solving high-risk problems in complex systems, you’re aware that your customers seek reassurance as well as expertise. Insurance for gas fitters plays an important role in covering you – and them – against the challenges you’re up against, including damage due to fire or flooding and other potential setbacks.
Gas engineering is a varied industry. You need insurance that’s tailored to you and your business, so you’re free to focus on the job at hand. That’s why we help you build the policy that’s right for you, choosing from core covers, plus a few more specific options.
Public liability insurance
In case somebody suffers injury or damage to their property as a result of your gas fitting business.
Employers’ liability insurance
In case your employee falls ill or gets injured because of their work for you.
Tools insurance
In case your gas fitting tools are lost, stolen or damaged.
Contract works insurance
In case your gas engineering work in progress is destroyed, disrupted or delayed.
Legal expenses insurance
In case you need to pay legal costs while operating your gas engineering business.
Personal accident insurance
In case you or anyone you've covered has an accident.
In case somebody suffers injury or damage to their property as a result of your gas fitting business.
What’s typically covered by public liability insurance?
Claims against your business for:
For example:
What you’ll need additional cover for
Read more about public liability insurance
In case your employee falls ill or gets injured because of their work for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case your gas fitting tools are lost, stolen or damaged.
What’s typically covered by tools insurance?
For example:
What you’ll need additional cover for
Read more about tools insurance
In case your gas engineering work in progress is destroyed, disrupted or delayed.
What’s typically covered by contract works insurance?
For example:
Read more about contract works insurance
In case you need to pay legal costs while operating your gas engineering business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case you or anyone you've covered has an accident.
What’s typically covered by personal accident insurance?
For example:
Read more about personal accident insurance
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 October 2019 - 31 March 2020). Most customers pay more than this but some pay less.
£26.13 /month
£232.24 /year
Self-employed domestic gas fitter who is also Gas Safe registered
Public liability insurance
£1,000,000
Employers’ liability insurance
Not included
Tools insurance
Not included
£101.58 /month
£902.96 /year
Small gas fitting business with 1 office-based staff member, Gas Safe registered
Public liability insurance
£2,000,000
Employers’ liability insurance
£10,000,000
Tools insurance
£5,000
How we work out example quotes These examples are real quotes from our online system (created 12/10/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
Only pay for what you need
Choose the best fit for you
Get your documents the same day
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Access support by phone or online
We handle claims, so you can get on with business
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Is public liability enough for third party property damage?
Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does gas fitters insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about hired-in plant and contract works insurance.
Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tools insurance.
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Depending on what you use to do your work, you may need other covers.
You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider Plumbers insurance or Plumbing, heating and ventilation contractor - domestic?
If you provide these services alongside building work, make sure you’re covered:
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.30am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm
Call our team
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2019
Having gas fitter insurance through Simply Business has saved gas engineers thousands of pounds when the unexpected happened.
As part of a maintenance contract, Jae (name changed for privacy) was changing a shower valve in the wet room. The on/off switch just below the old valve was turned off correctly but the water was left on. This resulted in an escape of water. Luckily Jae had gas fitter insurance at the time, which stepped in to take care of the claim.
£6,290.16
Covering the cost of the water damage
£100
The excess amount stated in Jae's policy terms
We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.
Compare and buy in minutes
Documents arrive today
Rated 4.7/5
Based on 38,869 reviews
Here to help
Help from UK-based experts
24/7 claims
Make a claim any time
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about gas fitters' insurance.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletter6th Floor99 Gresham StreetLondonEC2V 7NG
Sol House29 St Katherine's StreetNorthamptonNN1 2QZ
© Copyright 2021 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.