Heating Engineers’ Insurance

Heating Engineers’ Insurance is designed to protect you against the risks that come with your work, whether you are fixing boilers in someone’s home or working on a larger installation on site.

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Most heating engineers start with Public Liability Insurance, which can help cover legal fees and compensation if someone is injured or their property is damaged as a result of your work. For example, if a pipe bursts after an installation or a customer trips over your tools, this type of cover can step in to help.

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From there, you can build a policy that suits how you work. You may want to include:

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• ‍Tools and Materials Insurance: Protects your essential kit and equipment if it is stolen or damaged.‍
• Employers’ Liability Insurance: A legal requirement if you employ anyone. It covers claims made by staff who are injured or become ill as a result of their work.‍
• Contract Works Cover: Covers work in progress, materials and labour costs if a job is unexpectedly damaged before it is finished. This is especially useful if you work on new builds or larger projects.‍
• Legal Expenses Insurance: Can help with the cost of legal advice and representation, including support for employment disputes, tax enquiries or contract issues.

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Whether you are self-employed or running a growing business, Heating Engineers’ Insurance gives you the flexibility to get the cover that matches the way you work.

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If you are not sure what to include, our team is here to help. Call us on 020 3808 7099 and we will talk you through your options.

Yes, there are some situations where a claim might not be covered. Heating Engineers’ Insurance is designed to protect you when something goes wrong, but it is important to understand where the limits are so you can make sure your cover fits how you work.

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Here are a few examples of when a claim might be declined:

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• ‍Damage to your own equipment: Public Liability Insurance covers claims made by third-parties. If your own tools or materials are damaged or go missing, this would not be covered unless you add Tools and Materials Insurance to your policy.‍
• Work involving asbestos: Due to the specific risks involved, any work that includes asbestos is not covered under standard Heating Engineers’ Insurance.‍
• Intentional damage or injury: If something is done deliberately, such as causing damage or injury on purpose, the claim would not be valid.‍
• Work not included in your policy: If you carry out work that is not declared when you take out your policy, for example, working at unusual heights or in high-risk environments, your claim could be denied.

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This is not a full list, but it gives you an idea of the types of situations that may not be covered.

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If you want to see the full terms, you can view our policy summaries and wording documents here.

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Still have questions? Call our team on 020 3808 7099 and we will be happy to talk you through it.

We've made our Heating Engineers Insurance flexible. You can increase your coverage as your business grows without incurring any admin fees; you'll only pay the additional premium for the higher coverage.

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If you ever need to make a change, you can give as a call at 020 3808 7099 and we'll walk you through adjusting your policy to perfectly fit your current needs.

If something goes wrong like an accident on-site, a damaged client property, or stolen kit, you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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Send over any supporting documents (photos, receipts, police report if it’s theft), and ideally let us know within 14 days. The sooner we know, the sooner we can help.

We’ll guide you through it, but here’s what’s helpful up front:

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• What happened and when
• Where it happened
• Any evidence (photos, receipts, invoices, etc.)

If you’re claiming for tools or materials, we’ll pay the original purchase price if they can’t be repaired - just make sure your cover limit reflects what your kit is worth.