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What does gas fitters insurance cover?
Public liability insurance is vital protection for you and your business because it covers you against a claim from your customers and your staff. You set your own limits for public liability, employers liability and product liability too, up to £10 million, and can adjust these at any time depending on the growth of your business and diversification over time.
Your tools are vital to your trade and not at least for your customers safety. And should you prefer to insure these on your gas fitters policy we can provide flexible limits for all types of equipment including employee’s tools, specialist equipment and hired equipment too. Tools must be locked securely outside business hours, and a single item limit may apply.
However you work, we can help you find the best policy to cover your risks. So as a boiler repair person, domestic gas engineer, safety inspector or appliance tester we will factor your location, work history, turnover, staff, years in the trade, professional accreditation and many more to build a picture of the type of insurance you might need. Coupled with the liability and tools protection at levels set by you, you can be confident the insurance you have fits you correctly.
Do you need documents quickly to tender for a public contract or to get you on site? We can provide verification of insurance via email, often within the same day. Speed up the process even more by getting a quote and buying your gas workers insurance online, or for a more detailed requirement review, call us today to discuss your needs.
If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.
If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.
Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
Yes. Your policy gives you peace of mind and covers you if you are not the lead contractor on site.
Yes. Your policy covers you should you drop a compressor, heavy tools, or piping.
Some general policies could contain inadequacies that would leave your business uninsured in the event of a major loss. Therefore, protect your company with an industry-specific policy.
Gas fitters risk legal action in respect of their liability for personal injury or property damage arising from their activities. The awards that can made as a result of a successful claim can be substantial but even the legal costs of defending the most spurious claim can cause severe financial hardship.
Yes, both types of employers are covered for the same risks although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.
As the system measures an insurer’s financial situation, allowing you to predict their ability to meet ongoing policy obligations, it is an important factor.
Also, there are a number of main contractors that will not sub-contract works to any companies not insured with an insurer with a minimum of an A-financial rating (as determined by established ratings companies).
If you have any concerns about whether this may affect your business or have any questions around the rating of an insurer speak with one of our advisors.