Insurance for gas safety engineers – why it matters
When you’re dealing with gas appliances, there’s no room for error, but accidents can happen and even if they’re not your fault they could lead to damage and injuries that might land you in court. Your training and accreditations are there to protect your clients and their property, but as a professional gas or heating engineer, insurance is there to protect you and your employees. We’ll help you to put together an insurance policy that provides cover for the specific demands of your profession.
Why gas engineers need insurance
Accidents and injury
As a plumbing and heating engineer, you spend your days at other people’s houses and business premises. While you’re meticulous in everything you do, sometimes it’s the small things that can catch you out. A poorly placed tool box could lead to an injury, or you could accidentally get oil on an expensive cream carpet. Public liability claims can come in many forms, but if you end up facing one, we’ll be there to help cover the cost.
Employee troubles
You may employ someone to help you a few days a week, or run your own business with a huge body of staff. Either way, if someone who works for you claims they’ve fallen ill or been injured because of their job, you could be held liable. Even if someone misinterprets advice, you could still have to defend yourself. If you find yourself facing legal action, we’ll be there to cover the costs.
Problems with data
In a physical trade, computers might feel like the least of your worries, but these days most businesses use the internet in some capacity, whether it’s processing payments, communicating with clients or dealing with invoices. You’re likely to hold data about your business and your clients and if it’s accidentally put in the wrong hands it could come at a cost, financially and to your reputation too.
If you’re not sure what you need, tell us a little more about your gas engineering business. We’ll help you to build your quote and explore any other insurance needs.
Build my cover
Key types of insurance for gas safety engineers
Public liability insurance
Public liability insurance for gas engineers protects you if someone is injured or their property is damaged as a result of your work. As someone who comes into contact with members of the public daily, it’s important to remember that one small accident can lead to a major claim. Whether you make a genuine mistake that results in water damage, or a customer burns themselves and blames you, we’ll cover the costs of dealing with the claim.
Employers’ liability insurance
Employers’ liability insurance is a legal requirement for anyone who employs one or more people. It’s there to protect you if an employee brings a legal claim against you because they’ve been injured or fallen ill as a result of your business, for example if they fell from a faulty ladder you told them to climb. If you find yourself facing a claim we’ll cover the legal and compensation costs of dealing with it, keeping disruption to your business to a minimum.
Cyber and data risk insurance
When you’re communicating with your clients online, emailing back and forth, sending quotes and pricing up jobs, you’re sharing and holding data. That comes with legal responsibilities and if data is accidentally shared with the wrong people, or deliberately hacked in a cyber attack, you could find yourself facing expensive legal action. Cyber and data risk insurance is there to put things right as quickly and smoothly as possible with access to our team of specialists.
These are just some of the types of business insurance for gas safety engineers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
Get your quote