Do Gas Engineers Need Public Liability Insurance?

In short, yes – to be fully gas safe, public liability insurance is vital. Have you ever considered what the cost of a single gas leak caused by overlooked maintenance could be?

Not just in terms of repair, but in legal fees, compensation and your reputation? Working with gas carries inherent risks, making it crucial for gas engineers to be prepared for any eventuality.

That’s where gas fitters’ insurance, widely known as public liability insurance, comes in, acting as a safety net for you, your business and your clients. In this guide, we dive into why public liability insurance isn’t just recommended for gas engineers – it’s essential.


What Is Gas Contractor Insurance?

Gas contractor insurance is a type of public liability insurance covering the specific risks faced by gas fitters. It provides financial protection to businesses and individuals against legal claims made by members of the public who have suffered an injury or damage to their property because of the activities or presence of the insured business. Policies can cover, but are not limited to:

Property Damage: If a third party’s property is damaged due to your business activities, public liability insurance can cover the costs of repairing or replacing the damaged property.

Bodily Injury: If a third party is injured due to your business activities, public liability insurance can cover the costs of medical treatment and any other associated costs.

Personal Injury: If a third party claims they have suffered harm due to your business’s actions or inactions, public liability can cover the costs of legal claims arising from this.

Finding the right policy to suit your needs can be confusing and time-consuming. If you are a gas fitter, consulting with an insurance professional such as KGJ is vital, and with our fifty-plus years of experience, we’re ideally placed to ensure you get the exact gas fitters’ insurance you need – no more, no less.


Why Do Gas Engineers Need Public Liability Insurance?

As a gas engineer, if your work causes damage or injury to a third party, you can be held legally liable and be required to pay compensation for the damages. Public liability gas fitters’ insurance can help cover the costs of such claims and legal fees.

For example, if you were to install a gas appliance and then a mistake or oversight on your part causes the appliance to malfunction and start a fire, the homeowner and any other affected party may sue for damages. Without some sort of gas contractor insurance, you would have to pay for the damages and legal costs out of your own pocket, which could be financially devastating.

Public liability insurance provides peace of mind and financial protection for gas engineers, their employees and their clients, and is often required by law or by clients before work can begin.


How Do I Get Gas Engineer Public Liability Insurance?

Finding the right insurance policy to cover your needs isn’t always straightforward. Using an insurance broker like KGJ is one way to bring peace of mind and clarity to the process. Here are the basic steps we go through when assisting our clients:

  1. We look at different insurance providers that offer public liability insurance with a specific focus on gas engineers and obtain a range of quotes with policies that would fit your needs.
  2. We help you compare the types of coverage and the premiums offered by each provider to ensure you are getting the most complete coverage for your money.
  3. After we have discussed the quotes and coverage options, we help you choose an insurance provider that best fits your situation.
  4. Once your insurance application is accepted, you will need to start paying the agreed premium to activate your new policy.
  5. You will receive policy documents that outline the coverage, terms and conditions of your public liability insurance.

The cost of public liability gas fitters’ insurance can vary depending on the size of your business and the level of coverage you require, but KGJ is here to ensure every question you have about your policy is answered to your complete satisfaction.


Don’t Risk It: Be Gas Safe with Public Liability Insurance

As a family-owned business in operation for over five decades, our expert team has seen it all. We pride ourselves on being an in-person presence among a myriad of online insurance providers, helping clients cut through the noise and finding the perfect solution for them.

Our experts are knowledgeable and passionate about helping you feel informed and comfortable about your insurance needs. Our independence ensures we are not obligated to any insurance company, and we operate only with our clients’ best interests in mind.

To see how much KGJ Insurance can assist your gas fitting business in finding public liability insurance, call us on 01384 390909 or email We can even help you cover your enterprise as part of a more comprehensive suite of business insurance policies too.

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