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"Insurance At Trade Prices"
Over 40,000 customers have chosen Trade Direct
Over 30 years trading
Expert UK telephone support available
Quote and cover in less than 5 minutes

Heating and Gas Engineer Insurance

Get Public Liability cover with us including:
Up to £5m Public Liability Insurance
£1k Tools cover with our Classic Public Liability insurance
£400 Personal Accident cover per week with our Plus Public Liability insurance
Terms & Conditions, exclusions apply.

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.

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What cover can I get?

Cove for upto £5mPublic Liability cover of £1M, £2M or £5M

£15,000 Tools cover availableUp to £15,000 Tools cover is available (subject to product selected)

Personal Accident and Jury Service extensionsPersonal Accident and Jury Service cover extensions available (subject to product selected)

Optional extras availableOptional extras such as Employers’ Liability Insurance, Stock, Contract Works, Owned Plant can be added to the policy

Who do we cover?

We cover all types of businessesWe cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships

Heating and Gas typesHeating and gas engineers who work on domestic and commercial properties - see property types for details

specialising in work for maintenance and installationIndividuals and small to medium sized businesses specialising in installation or maintenance work

Cover up to £3mBusinesses with turnover of up to £3M

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Flexible cover

Our heating and gas engineers’ Public Liability insurance offers you limits of £1 million, £2 million and £5 million cover against liability claims made against you by members of the public.

If you have others working for you on a permanent or temporary basis, it is a legal requirement to have Employers’ Liability insurance. £10 million of cover is included as standard with your policy to provide cover in the event that an employee is injured or has an accident at work due to your negligence.

With Classic and Plus cover, our Tradesmen insurance for self-employed heating and gas engineers includes £1,000 of all risks Tools insurance. Your tools are covered 24 hours a day, and this cover protects you in the event that they are stolen from a locked vehicle or damaged anywhere in the UK.

Professional Indemnity insurance of £100,000 is also included as standard with our Classic and Plus cover.

Optional extras

To enhance the security offered by your policy, Jury Service cover is available. This is designed to provide the policyholder with a daily income of £250 for the first 10 days and £50 per day thereafter, while they are performing Jury Service.

If you choose our Plus cover Personal Accident insurance is included, which provides a weekly income if you are unable to work as a result of an accident at work.

Cover for bigger businesses

We provide heating and gas engineers’ Liability insurance online for businesses with an annual turnover up to £3million and up to 15 manual employees. If your business is bigger than this, please ring our UK based team on 08000 280 380 for a quote, or find other ways to contact us via our Contact Us page.

Property types

We offer cover for work at different property types:

Domestic only – Cover for private dwellings only.

Domestic & Light Commercial – Cover for private dwellings, shops, offices, public houses, guest houses, hotels, schools, restaurants and takeaways.

Commercial excluding hazardous locations – Cover for all types of property except work in or on railways, railway installations, watercraft, blast furnaces, chimney shafts, collieries, dams, gas works, mines, power stations, steeples, towers, tunnels, bridges, viaducts, canals, docks, piers, wharves, quarries, chemical works, oil refineries or fuel depots, work in or on aircraft, work in or on airport or aerodrome runways manoeuvring areas or aprons, or those parts of airports or aerodromes to which aircraft have access.

Why do I need Public Liability insurance?

You and your company may be financially liable for the result of an accident caused by you, your company or a contractor either at your premises or elsewhere. Public Liability claims can be very expensive, which could have a major impact on you or your business. As well as giving you peace of mind, many companies and trade associations require evidence of Public Liability insurance.


Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

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Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Our website uses secure encryption, from Thawte, so you can be confident that your data is safe on our website.

Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.