Plumbing, Heating, and Gas Engineers Insurance

Affordable Insurance for Plumbing, Heating, and Gas Engineers
– Especially Tailored for You

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Insurance to Protect Your Livelihood

Where your livelihood is concerned, leave nothing to chance. Make sure you’re safeguarded against accidents and the unexpected with insurance cover that protects you and your business – including comprehensive, affordable liability insurance for plumbing, heating, and gas engineers.

At NICEIC and ELECSA Insurance Services, we draw on our wealth of experience to provide our customers with tailored plumbing, heating, and gas engineers insurance, at a competitive price.

Our Plumbing, Heating and Gas Engineers Insurance Cover

We appreciate how busy you must be, therefore you may not have the time to search around for the insurance you need for you and your business.

Some online providers such as direct insurers or comparison sites may require you to know exactly what cover you need in order to get a quote. But can you be sure you’ve got the appropriate type of cover and you’re insured for the right amount ‒ and don’t leave yourself exposed to underinsurance?

This is where we can help. Simply contact us and we’ll do the hard work of approaching our specialist and leading UK insurers for you. We’ll ask you some straightforward questions to guide you through the process, so you get the cover you need quickly and easily.

We Offer the Following*1&2

  • Employers liability cover of £10 million.

  • Cover for loss or damage to tools and office equipment.

  • Goods in transit.

  • Cover for contract works.

  • Cover for your own plant and hired in plant.

  • Cover for temporary employees up to 50 days per year.

  • Free 24 hour business legal helpline.

The Power Behind Your Business

NICEIC and ELECSA Insurance Services provides the power to protect you and your business from the unforeseen, so you can look after your customers with peace of mind knowing you’re covered.

Heating, plumbing, and gas engineers working in most situations can be covered  across domestic, commercial and industrial premises in Great Britain, the Channel Islands, the Isle of Man, and Northern Ireland. Temporary work in the EU is also included as standard too.

The core liability covers – public and employers liability – can be expanded by adding a range of optional extras, to create tailored protection to suit your individual needs.

Request a callback 01133960346

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Why Choose Us?

NICEIC and ELECSA Insurance Services is part of Marsh Commercial, an award winning expert in insurance and risk management. We currently provide more than 35,000 business insurance policies for over 21,000 customers across the UK, so it’s safe to say we have the experience and expertise to help our business insurance customers obtain the cover they’re after, at the right price.

That extensive experience means our team is ideally placed to find the plumbing, heating, and gas engineers insurance you need. Our size and scale enables us to offer quotes from a panel of UK insurers – and to negotiate the best possible price and cover we can on your behalf.

The support we provide doesn’t stop once you’ve taken out your cover, in fact it extends throughout our relationship – from changes you may need part way through the year, ensuring your cover continues to meet your needs at renewal, right the way through to providing an essential, dedicated claims advocacy service you can rely on in the event of a claim.

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Related FAQs

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What is Public Liability Insurance?

Public liability insurance is designed to protect your business if negligence on your part causes injury to a third party or damage to their property. It covers the cost of compensation, damages, and any legal costs incurred by third parties in making a successful legal claim against you. As an example, if you installed some wiring that later caused a fire which damaged or destroyed a building, and it was later deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

How Much Public Liability Insurance do I Need?

The level of protection you take out depends on the type of risks you face. It’s really an individual decision based on the nature of each business – though it’s worth finding out what level of cover potential clients expect you to have. There may be a minimum requirement of cover required depending on the nature of the job – for example if it’s a commercial contract for a council they may require a higher level of cover compared to a domestic job. We offer public liability cover ranging from £1 million up to £10 million, depending on the insurer.

What is the Difference Between Public Liability and Employers Liability?

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work, while public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

What is an Employee?

An employee is someone who works part-time or full-time under an employment contract.

What is a Labour-only Sub-contractor?

Labour-only sub-contractors work under your direction and typically use tools and materials you provide ‒ and are paid by you or through an employment agency.

Are Bona Fide Sub-contractors Treated as Employees?

Bona Fide sub-contractors are paid by the main contractor, but work under their own direction, provide their own materials and tools – and usually have their own public liability insurance in place.

What is Professional Indemnity Insurance?

Professional indemnity cover protects you and your business in the event of legal claims relating to advice you have provided and will cover the cost and expenses incurred in your defence.

What is Efficacy Cover?

Efficacy cover provides liability cover which protects you in the event of an injury to a third party or damage to their property, as a result of a product or service’s failure to perform its intended function. This may include failure due to a product fault or its installation, such as: - An alarm system. - A fire control or extinguishing system. - An electronic security system e.g. shutters, access gate, or CCTV cameras.

What is Contract Works Insurance?

Contract works insurance protects against damage to any property that is part of the permanent or temporary works being executed by you – that includes things like materials and other items supplied or used in connection with the contract.

What is Own and Hired in Plant Insurance?

Own plant and/or hired in plant cover is vital for any tradesmen who often use complex plant machinery and equipment at work. It either covers loss or damage to plant you own, or any legal liabilities resulting from loss or damage to plant you have hired in – for instance compensation due under any hire agreement.

*1 Cover may differ dependent upon insurer.

*2 As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

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