Public Liability Insurance for Gas Engineers

Public liability insurance is a type of insurance policy that 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.

For example, if a customer slips and falls in a retail store and suffers an injury, they may file a claim against the store owner for compensation. Public liability insurance can help cover the cost of legal fees and compensation if the claim is successful.

Finding the right public liability insurance to suit your needs can be confusing and time-consuming, which is where you can benefit from KGJ Insurance and our fifty years of experience in the field. In this blog, we discuss why public liability insurance for gas engineers is vital for protecting you, your clients and your business.

What Is Public Liability Insurance?

Public liability insurance is essential for businesses that interact with the public and is relevant to both individuals and businesses that may put others at risk of injury or property damage. Policies can cover, but are not limited to, these areas:

  • 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 that they have suffered harm due to your business’s actions or inactions, public liability insurance can cover the costs of legal claims arising from personal injury.

It’s important to note that the specific coverage of a public liability insurance policy can vary depending on the insurance provider and the policy terms and conditions. It’s recommended to read the policy carefully and consult with an insurance professional, such as KGJ Insurance.

As A Gas Engineer Do I Need Public Liability Insurance?

Gas fitters work with potentially dangerous materials and equipment, and any mistakes or accidents could cause harm to people or property. If a gas fitter’s work causes damage or injury to a third party, they may be held legally liable and required to pay compensation for the damages. Public liability insurance can help cover the costs of such claims and legal fees.

For example, if a gas fitter installs a gas appliance that malfunctions and causes a fire, the homeowner or any other affected party may sue the gas fitter for damages. Without public liability insurance, the gas fitter would have to pay for the damages and legal costs out of their own pocket, which could be financially devastating.

Having public liability insurance can provide 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.

At KGJ we pride ourselves on being a staunch presence among the myriad online insurance providers, helping clients cut through the noise and find the perfect solution for them, all aided by our one-on-one service. We understand that even the smallest disruptions can cause chaos and unbalance in your business.

Our experts will source a competitive quotation from our panel of insurers that fits the needs of your business both in terms of budget and coverage. We’re here to help with all your insurance concerns and as a vastly experienced insurance broker, KGJ Insurance will provide advice and direction that has only the best interests of your business at heart.

What Is an Insurance Broker?

An insurance broker is a professional who acts as an intermediary between insurance companies and clients, helping individuals and businesses to find and purchase insurance policies that meet their specific needs. Insurance brokers in the UK are regulated by the Financial Conduct Authority (FCA) and are required to follow strict guidelines and ethical standards to ensure that they act in their clients’ best interests.

Insurance brokers typically have access to a wide range of insurance policies from multiple insurance companies, and they use their knowledge and expertise to advise clients on the best insurance policies for their individual needs. They may also help clients to negotiate with insurers to obtain better coverage or rates.

How Do I Get Gas Engineer Public Liability Insurance?

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

  1. We look at different insurance providers that offer public liability insurance for gas engineers online and obtain a range of quotes with policies that would fit your business.
  2. We help you compare the types of coverage and the premiums offered by each provider to ensure you are getting the best coverage for your money.
  3. After we have discussed the quotes and coverage options, we help you choose an insurance provider that best meets your needs and budget.
  4. The application process usually involves filling out an online form or speaking to an insurance representative over the phone.
  5. You will need to provide information about your business, such as the services you offer, the number of employees and any previous claims or incidents.
  6. If your application is accepted, you will need to pay the premium to activate the policy.
  7. Once you have paid the premium, you will receive a policy document that outlines the terms and conditions of the insurance coverage.

It’s important to note that the cost of public liability insurance can vary depending on the size of your business and the level of coverage you require. KGJ Insurance is here to ensure every question you have about your policy is answered to your complete satisfaction.

Providing Public Liability Insurance for Gas Engineers

At KGJ Insurance we understand the importance of protecting what matters to you. As a family-owned business in operation for over fifty years, our expert team has seen it all. No matter how complex your financial situation may be, we will arrange tailored public liability insurance coverage for your gas engineering business.

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

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