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Gas Fitters Insurance

We provide liability insurance for gas fitters and heating engineers.

  • One gas insurance policy can cover you for up to five different trades, including heating engineers, plumbing, gas fitters, electricians and kitchen fitters
  • Expert claims service
  • Access your quotes, policies and renewals in your online account
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Why choose gas fitters insurance with Towergate?


Cover for old and new plumbing methods

We can cover a range of plumbing practices, from traditional plumbing methods to modern techniques including ‘push-fit’ fittings.


Flexible gas fitters cover

Choose a limit of liability insurance to suit you. Limits are available from £1m, with popular limits of £2m, £5m and £10m and options of higher limits on request


Expert claims service

Dedicated claim handlers to give you peace of mind

Direct Debit

Pay for gas fitters insurance by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About gas fitters insurance


Public liability insurance for gas fitters

Public liability insurance is vital protection for your business covering claims from clients or members of the public should you accidentally cause personal injury or damage to their property. You select a public liability indemnity limit to suit your work up to £10 million, which can be increased at any time should your customers or contracts specify higher. If you have staff, Employers Liability meeting your legal responsibilities is easily arranged alongside Public Liability cover, under a gas fitting combined liability policy. Policies cover the consequences of defective workmanship but not damage to the item actually being worked upon.


Cover for your gas fitting equipment

Your tools are vital to your trade and not least for your customers safety. For your convenience we can add gas fitter’s tools insurance to your policy. Flexible limits are available for all types of equipment including testing, specialist and hired in equipment too. Tools must be locked securely outside business hours, and a single item limit may apply. Theft from vehicles overnight is not normally included.


Specialist gas fitters covers

Wherever you work, we can help you find a gas fitters public liability policy to suit you. As a boiler/refrigeration engineer, commercial or domestic gas engineer, safety inspector or appliance fitter we will factor your activities, location, processes, turnover, staff, experience, professional accreditation etc, to tailor the insurance you may need. You can include employers’ liability and tools cover as well if you wish, giving you peace of mind that the insurance you have fits you securely without leaks.


Gas fitting insurance available rapidly

Do you need evidence of public liability quickly to tender for a public contract or to access site? It’s quick and simple to buy your gas workers insurance online, with verification of insurance provided speedily via email if you need it. Your cover and that new contract are just a few clicks away. If you prefer a personal touch or have more complex needs call us.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 03308 281 239 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Gas fitters insurance FAQs

Yes, your policy gives you peace of mind as it will cover you as a bona fide sub-contractor, should you not be the lead contractor on site.

Your customers will need confidence that should something accidentally go wrong causing damage to their property or causing personal injury to others on site, that you hold adequate public liability insurance. It is very common for main contractors to require proof of minimum Public Liability insurance limits of £5m to £10m in place before awarding a contract or giving you access to site.

The consequences of a gas explosion are unthinkable and its essential that public liability insurance is arranged. Many customers will insist on cover with high limits and from a quality insurer.

With the potential risks varying according to the size, type, value and hazardous nature of the locations at which you work, or the use of processes involving the application of heat e.g. welding, soldering or blow lamps its imperative that you use an expert broker such as Towergate to guide you through the vast array of policies, terms and conditions that may apply.

Insurance companies seek to insure well managed businesses demonstrating a good safety track record. By adopting risk management techniques which seek to prevent, mitigate and reduce risk makes your business a more attractive proposition to insurers. There is a wider insurance marketplace for well managed businesses which benefits in more competition for your Gas Fitter Public Liability insurance. The more insurers we can approach the better value insurance package we can arrange to meet your needs, being a combination of cover, price, terms underwritten by a quality insurer.

Unfortunately, accidents can still occur in the most well managed of business environments leaving you potentially exposed to high legal defence costs and severe financial hardship. Ultimately, there is no replacement for a gas fitters public and employers’ liability insurance policy giving you security and peace of mind.

Yes, we can cover labour only sub-contractors, as well as PAYE staff for the same risks under your EL (Employers’ Liability) cover. it is very important to declare how your workforce are employed as this will affect how your risks are calculated.

It is an important factor and we only use insurers with A-ratings. Financial strength ratings in the insurance sector are provided by independent companies such as Standard & Poor's (S&P), AM Best & Fitch, Moody’s. For example, S&P ratings range from a 'AAA' to a 'D'. AAA is the highest possible rating.

Ratings provided by these firms are a globally recognised measure of an insurer’s financial situation and providing confidence on their ability to meet on-going policy obligations.

Your selection of a well rated insurer can be an important factor when you are tendering for contracts. Well run businesses need to protect their own reputation and will seek to only appoint contracts to contractors, whom share their values for quality and security. Consequently, they will only appoint main contractors holding insurance underwritten by Insurers meeting minimum financial strength ratings.

Main contractors in turn will require any of their own sub-contractors to meet  similar minimum insurance obligations, to ensure quality and consistent cover is in place for the protection of customers and the general public. We recommend that you carefully check all contracts you sign up to and ask if your client has any minimum insurance requirements.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

Public liability insurance for gas fitters covers you against compensation claims should a member of the public, or one of your customers receive an injury or experience loss or damage of their property, as a result of negligence by you or your business.

If you have employees other than yourself or your family members, whether they are full-time, part or freelance, you are usually required by law to have employer’s liability. You may not have employees at present and obviously in this case you won’t need employer’s liability cover in place. However, should you ever grow your business to the point where you take on employees, you will simply need to call our team and have this cover added to your policy.

If you make, repair or sell any products you may also need product liability. This covers you for injury or damage to another person or their property as a direct result of a faulty product.

Remember, if you don’t yet have any need for certain covers you won’t have to pay for them. Speak with an adviser about what you need, and allow them to tailor a policy to your business. That way you only pay for the cover that’s necessary.

If you want to cover your tools we can add them to your policy too. Even if you leave them on site or in a vehicle overnight, as long as you can lock them up securely, tools insurance can be provided.
Simply let your adviser know the amount of cover you need during your quote and we will be able to adjust your policy accordingly.

Yes. This is cover for your on-going jobs. Before you have finished a project and handed over to the customer, if something holds up or damages the site, you may be liable. The costs will therefore have to be absorbed by you. You can include contract works insurance as part of your gas fitters insurance policy, just let us know to add it during your quote.

There are quite a few other options for gas fitters insurance too, so browse our site for more info or give one of our advisers a call on the number on the screen.

Read more FAQs

Gas fitters articles and guides

A Video Guide to Gas Fitters Insurance

A short video guide to gas fitters insurance. Learn about the important features too look for on a policy including liability insurance for gas fitters.

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Securing Your Van and Tools - Keeping on Top of Van Security

Whether you work for a small business or you’re a sole trader, we know that keeping your van and its contents safe from criminals is a year-round concern.

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Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

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