Homeowners are quite naturally concerned about the safety of any gas installation and appliances they have. Its highly flammable nature means that gas may prove a dangerous fuel.
Your responsibility as a gas fitter is to ensure that the installations and appliance on which you are asked to work all operate safely and in the way in which they were intended. The consequences of getting it wrong hardly bear thinking about – an error, mistake or slipshod work might result in a blast that causes considerable damage and runs serious risk to life and limb.
Even with the experience, training and qualifications which you bring to the job, however, mistakes may be made, accidents happen, and injury or property damage caused. As the gas fitter employed to carry out the work, you may be held liable for the injury or damage caused and ordered to pay hefty compensation as a consequence.
Gas fitters’ insurance or heating engineer insurance is there to help cover you against the financial impact of such claims. The cover is by no means a substitute for careful working and the maintenance of professional standards, but it designed to protect the continued financial viability of your business if an unforeseen accident occurs.
The cover may be tailored to suit the particular needs and circumstances of your own business and here at constructaquote.com we have the expertise and experience to find the appropriate cover for you.
- Every year we arrange and service liability insurance for 30,000 tradesmen, including gas fitters and heating engineers such as yourself
- Cover is available for both domestic and commercial gas fitters
- Cover is also available for the tools and materials you use
- We have 25 years’ experience of arranging and servicing insurance policies such as these
- Policy excesses may be as low as £100.
A closer look at some of the liabilities faced by gas fitters
Gas fitters are expected to have the competence, training and qualifications to ensure that their work is carried out to a high level of safety. Indeed, the Gas Safe register exists to ensure that individuals claiming to be gas fitters are properly registered and have the necessary skills and qualifications.
The register effectively sets the professional standards of all those working as gas fitters.
Whilst registration is designed to give your customers confidence in the level of safety maintained in your work, it also comes with your responsibility for adhering to those standards. If you fail to do so, you might be considered professionally negligent.
If that negligence results in injury or property damage, you may be ordered to pay a substantial sum in compensation. Professional liability insurance may therefore form part and parcel of your gas fitters’ insurance.
Your liability extends to the wider public
In addition to your professional obligations, you also have a wider, more general, duty of care towards anyone who might be affected by the work that you do. This includes not just your customer, but any visitor to their home or premises, any neighbour and any passing member of the public. This is known as your public liability.
Public liability insurance typically offers at least £1 million of cover against such claims.
Your particular liabilities as an employer
If you employ anyone else to help run your gas fitting or heating engineering business, you have a special duty of care for ensuring the health and safety at work of any employee. If an individual suffers an injury or contracts an illness or other medical condition, for example, you may be held responsible as the employer.
In order to ensure that you are in a financial position to meet claims for compensation made by any such employee, the law requires that you hold a minimum of £5 million in employers’ liability insurance.
We take your obligations under the law so seriously that employers’ liability insurance policies we arrange offer a generous £10 million of cover.
In any event, you might want to keep in mind the penalties you may face for not arranging such liability cover if you are an employer – up to £2,500 every day that the insurance is missing.
The protection afforded by contractors all risks insurance
If you are a gas or heating engineering contractor, the chances are that you have a whole range of tools, equipment and materials essential to the work that you do.
Any theft, loss or damage to these items might involve considerable expense in repairs or replacements – not to mention the difficulty of continuing to work at your livelihood.
Contractors’ all risks insurance may serve as an umbrella form of protection for all such items, providing you with adequate financial wherewithal for their repair or replacement in the event of theft, loss or damage.