Gas Fitters Insurance

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.

About Gas Fitters Insurance


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

You can choose to split your payment into ten monthly instalments. Please read our dedicated page on Direct Debit.

Features of Gas Fitters Insurance

Standard cover

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.

Gas Fitters Insurance FAQs


Can I work on site where I’m not the main contractor?


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.


Why do I need gas fitters-specific insurance?


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.


Why does a gas fitter need public liability insurance?


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.


Will Risk Management techniques reduce my Gas Fitters Public liability insurance premium?


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.


Are labour-only subcontractors covered in the same way that direct PAYE staff are under the employer’s liability policy?


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.


Is the financial rating of an insurer an important factor?


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.


Can I pay for my gas fitters insurance in instalments?


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.


Where can I find more information about monthly Direct Debit?


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


Are there any exclusions?


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.

How do I make a claim?

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 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim