Gas fitters' insurance
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Based on 38,869 reviews
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For 80% of settled claims
Why is gas fitters’ insurance important?
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.
- Protection against big claims that result from mistakes, accidents or injuries
- Cover to meet your needs, whether that’s you, your employees, contractors, casual workers or temporary staff
- Help to keep going if an unexpected event disrupts a contract that’s underway
What does gas fitters’ insurance cover?
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.
Public liability insurance
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:
- accidental damage to a residential or commercial property, caused by your work as a gas fitter or by one of your employees (remember, if you have people working for you, employers’ liability cover is a legal requirement)
- accidental injury to another person, caused by your work as a gas fitter or by one of your employees
For example:
- you need to move a washing machine to install a boiler, and in doing so you trigger a leak, which damages the customer’s floor
- a boiler you’ve recently installed falls down and breaks several bones in the customer’s foot
- your employee moves a sofa while carrying out a gas safety check, breaking the customer’s camera light by accident
What you’ll need additional cover for
- installing and maintaining pipework used for water and drainage – this would be classed as plumbing work, so you’d need to cover it separately under plumbing insurance
Read more about public liability insurance
Employers’ 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:
- a member of your staff becoming sick or suffering an injury as a result of the gas engineering work they do for you
**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:
- your employee slips off a ladder and breaks their back as they’re trying to fix a boiler
Tools insurance
In case your gas fitting tools are lost, stolen or damaged.
What’s typically covered by tools insurance?
- theft of the tools you use to carry out your work as a gas fitter (especially handheld tools and portable electronic tools), whether on site or stored at your business premises
- flood, fire, or accidental damage to your gas fitting tools at a client site or at your premises
For example:
- while you’re in the process of loading your van, somebody steals your tool box, which contains your drills, circular saw and hand vacuum
- one of your employees accidentally steps on your tool box and breaks the drill, so you need to get it repaired
What you’ll need additional cover for
- cover for tools left in your van overnight – these would need to be covered by tools overnight cover, which you can select as an optional extra
Read more about tools insurance
Contract works insurance
In case your gas engineering work in progress is destroyed, disrupted or delayed.
What’s typically covered by contract works insurance?
- damage to the ongoing work in progress on commercial or domestic premises
- your gas work is destroyed or damaged while you’re working
For example:
- you’re working on a commercial building and a fire breaks out, which sets back the completion date you’ve agreed to in the contract
- the boilers you’re in the process of fitting are destroyed by fire, causing a delay to the completion date
Read more about contract works insurance
Legal expenses insurance
In case you need to pay legal costs while operating your gas engineering business.
What’s typically covered by legal expenses insurance?
- lawyer fees and other legal expenses you may face that catch you by surprise as the owner of your company
- the cost of legal claims relating to property damage, nuisance or trespass
- a 24/7 confidential legal helpline and a tax advice helpline, as well as crisis PR support to help you protect your business’s reputation
- support in handling unexpected tax and compliance matters
For example:
- a client owes you a large sum of money because they’re three months late on payment, so you want to take them to court to recover the money
- your businesses tax accounts are investigated by HMRC and you need an accountant to help you deal with the enquiries
- you need legal help to resolve an HR dispute with an employee
Read more about legal expenses insurance
Personal accident insurance
In case you or anyone you've covered has an accident.
What’s typically covered by personal accident insurance?
- injury or death, whether at work or elsewhere, for anyone you’ve specifically covered in your policy
- lost income, hospital bills, or other medical costs associated with the accident
For example:
- you drop a bronze fireplace on your foot and it breaks your toe
- your apprentice breaks their arm on the way into work
- you suffer a slipped disc while you’re on a run at the weekend
Read more about personal accident insurance
How much does gas fitters’ insurance cost?
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.
Prices start from £6.82 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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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.
Example quotes, real prices
£26.13 /month
£232.24 /year
Self-employed domestic gas fitter who is also Gas Safe registered
- 2-3 years' experience
- sole trader
- no employees
- based in Bolton
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
- 5+ years' experience
- limited company
- 3 employees
- based in Aberdeen
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.
What kind of excess should I expect?
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.
How it works
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We handle claims, so you can get on with business
How do I choose insurance?
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?
Is public liability enough for third party property damage?
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.
Can I just cover my most expensive tools?
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.
Which type of workers do I need insurance for?
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.
Will tools insurance cover all my equipment?
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.
Does gas fitters insurance cover my work correctly?
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?
Do I need cover for other types of work?
If you provide these services alongside building work, make sure you’re covered:
Which public liability cover limit should I choose?
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.
Talk to an expert
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
How do claims work?
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.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
Example claim
Having gas fitter insurance through Simply Business has saved gas engineers thousands of pounds when the unexpected happened.
Jae saved more than £6,200
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.
Insurance payout
£6,290.16
Covering the cost of the water damage
Jae’s costs
£100
The excess amount stated in Jae's policy terms
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Gas fitters’ insurance FAQ
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
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