What is Gas Fitters Insurance?
We work hard to source you a personal insurance plan that answers the needs of your heating engineering business. However, at the heart of every Gas Fitters Insurance policy, you’ll find a strong focus on Liability Insurance. This comes in many forms and can be tailored to your specific requirements. However, it generally includes:
Public Liability Insurance for gas fitters
Imagine if a stray tool caused a client or member of the public to seriously injure themselves. They could sue you for damages and you could be found guilty of negligence – an increasingly common occurrence due to legal bodies who earn their living by chasing victims of accidents. Public Liability is crucial for any heating engineers business of any size.
Gas Fitters Employers Liability Insurance
Another, perhaps less obvious, threat comes from within your own business. If you employ staff, a work-related illness or accident could be attributed to your business’s activities or practices. Again, this could result in legal action that could potentially cripple your company and put you out of business. What’s more, Employers Liability is a legal requirement for any business with employees – whether contracted or casual.
Professional Indemnity Insurance
If you work with contractors as part of a larger project, the chances are you will have to offer your professional advice as part of the job. If this advice were to be found faulty or negligent in some way that led to a third party’s financial loss, you could face a very costly lawsuit. Professional Indemnity cover will protect you in such a case, and give you more professional confidence.
Together with your professional expertise, tools are the lifeblood of your business. If they were lost, damaged or stolen, you could lose a contract or face a huge bill for replacements. Tools Insurance covers the cost of repairs or replacements, minimising the impact of a small disaster on your work.
Commercial Vehicle Insurance
It’s hard to think of a gas fitter operating without their vehicle, be it a van or car. If you’re a sole trader, it’s tempting to think that your usual vehicle insurance would cover you in the case of an accident or breakdown. However, if you use any vehicle for work, you must make sure it’s covered for commercial activities.