What Insurance Does a Gas Engineer Need?

Public Liability Insurance

This is the most important policy for any gas engineer. It protects you if your work causes injury or property damage to a customer, tenant, or member of the public.

Example: You install a boiler and a gas leak causes damage to the customer’s property. Public liability insurance covers the cost of repairs and legal claims.

• Minimum recommended cover: £2 million

• Often required by landlords, main contractors, and letting agents

Employers’ Liability Insurance

If you employ anyone — including apprentices, part-time labourers, or admin staff — this is a legal requirement.

Covers: Compensation claims from employees injured or made ill due to their work.
Legal penalty for no cover: Up to £2,500 per day.

Professional Indemnity Insurance

This protects you if your advice, design, or reports cause financial loss to a client.

Example: You specify a heating system setup that later fails, and the client claims your recommendation was at fault. This policy covers legal costs and compensation.

PI insurance is highly recommended if you:

• Offer system design or specifications

• Write gas safety reports or assessments

• Work on design & build contracts

• Sign off work for others as a registered Gas Safe engineer

Tools and Equipment Insurance

Your tools are essential — and expensive. Tool insurance protects you against:

• Theft, especially from vans or sites

• Accidental damage

• Loss in transit

Make sure your policy covers overnight storage in vehicles, as tool theft is one of the most common claims.

Contractors’ All Risks Insurance

For gas engineers working on larger installations or construction projects, this covers:

• Work in progress (e.g. a boiler install during a refurbishment)

• Materials on site

• Temporary buildings, scaffolding, and plant hire

It’s essential if you’re subcontracted on larger commercial or site-based jobs.

Van Insurance with Business Use

Your van isn’t just transport — it’s part of the business. Ensure your van insurance includes:

• Business use

• Tool transport

• Optional cover for internal storage and racking

Optional Extras to Consider

Depending on how you work, you might also want:

• Income protection – If you’re unable to work due to injury or illness

• Personal accident cover – Pays a lump sum for serious injuries

• Legal expenses insurance – Covers disputes, contract issues, and tax investigations

• Gas safety certificate protection – Useful if you issue high volumes of reports

Are Gas Engineers Legally Required to Have Insurance?

• Public liability is not a legal requirement — but many clients and employers will insist on it before hiring you.

• Employers’ liability is legally required if you have staff.

• Professional indemnity may be required if you offer advice or work under contract for landlords, councils, or commercial clients.

Get Gas Safe-Ready Cover with ABA Insurance

At ABA Insurance, we specialise in cover for gas engineers, heating installers, and plumbers across the UK. Whether you’re issuing CP12s, installing combi boilers, or managing full heating refurbs — we’ll build a policy that works for you.

Need a quote or want to review your current policy?
Call us on 01474 833 322 or get a fast online quote at: www.abainsurance.co.uk/trades-insurance-quote/