Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK gas engineers — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Gas work carries some of the highest-severity risks of any trade — fire, explosion and carbon monoxide poisoning can affect people well beyond the room you're working in. Insurers price and underwrite cover around how this risk is managed.
Brazing, soldering and other hot work on pipework introduces a real fire risk, especially in confined spaces or near insulation and combustible materials. Many insurers ask about hot work procedures, fire extinguishers on site and post-job checks.
A poorly fitted appliance, flue or connection can lead to a gas leak or carbon monoxide escape — incidents with potentially fatal consequences for occupants. This is the single biggest driver of public liability exposure in gas work.
Gas ignition incidents can cause structural damage to a property and injury to multiple people, including those not directly involved in the job. Claims of this severity are why adequate public liability limits matter for gas engineers specifically.
By law, anyone carrying out gas work in the UK must be on the Gas Safe Register. Insurers generally require proof of registration to provide cover, and a claim linked to unregistered gas work is likely to be refused.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged during your work. Most builders and contractors require you to hold this before starting on site.
Covers your tools against theft from a van or site, and accidental damage. Tool theft is one of the most common claims for tradespeople — check the limit carefully.
Legally required if you employ anyone — including casual workers or labour-only subcontractors you direct on site. Minimum £5 million cover required by law.
Covers work in progress on site against damage from fire, flood, theft or accidental damage before it's handed over to the client. Essential for large or long-running jobs.
Covers owned or hired-in plant and machinery on site — diggers, cherry pickers, compressors and specialist equipment.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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