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Tradesman Insurance for Heating Engineers
We work closely with businesses across the entire UK offering heating engineer insurance that keeps them covered when performing their work. Insurance is there to protect your business, and we understand that sometimes it can seem confusing. What insurance is right for my business? Do I even need tradesman insurance? These are questions we often hear and on the page below, we've tried our best to simplify what insurance is and asked the key questions you want answering.
WHAT IS HEATING ENGINEER’S INSURANCE?
Heating engineer's insurance provides essential cover against the unique risks and liabilities faced by heating professionals, allowing them to protect their business, tools and livelihood from unexpected incidents and financial losses.
Because of the nature of your work, heating engineers face potential risks and hazards daily, and it's important to protect yourself, your clients and the public by having proper insurance in place. The correct cover can help soften the financial blow for your business should an accident happen.
Rhino Trade Insurance offer various policies that can be tailored to your heating business. If you have any questions about what insurance is right for you, give our team a call on 0116 243 7904 or contact us using the chat function in the bottom right corner.
- Get personalised heating engineers insurance quotes in 60 seconds.
- Cover from claims giving you peace of mind.
- Join thousands of heating professionals today who trust Rhino.
Rhino's Take: Rhino's largest payout for a single claim was £240,000, allowing the plumber who claimed to keep his head above water!
What does it cover?
Rhino offers a variety of insurance products for your business, all with their own levels of cover. In trades that require qualifications and certification to carry out, the risk of something going wrong becomes more prevalent. Being aware of what insurance your business requires is vital in ensuring that you are working in the right way and with the correct cover in place.
Below is a breakdown of the policies available to you.
Public liability insurance offers vital protection, covering the costs and legal fees if your work accidentally causes injury or property damage to third parties, ensuring you can operate with confidence and security.
Employers liability insurance is essential coverage that protects business owners from financial and legal consequences if an employee suffers a work-related injury or illness, ensuring both the business's and employees' well-being.
Contractors all risks insurance provides comprehensive coverage for accidental damage, flood, fire, theft, or loss of materials and equipment on job sites. Whilst also covering your plant and machinery ensuring that your projects can proceed without costly interruptions.
Professional indemnity insurance provides crucial protection against claims of negligence or errors in your work, safeguarding your hard-earned reputation and finances in case a project doesn't go as planned.
Tools insurance ensures that your valuable equipment is protected against theft, loss, or damage, allowing you to quickly replace essential tools and keep your business running smoothly. An added bonus is that even while your tools are kept in your vehicle overnight, they are covered by Rhino's tools insurance.
Legal expenses insurance covers the costs of legal advice and representation if a claim is made or your business is taken to court. This covers the financial burden of disputes or any court fees that may arise during your work.
From time to time, HMRC may decide to check over your tax details. Tax enquiry insurance shields you from the financial strain of tax inspections or investigations by covering the costs of professional assistance and representation.
Personal accident insurance offers financial support (a lump-sum payment up to your chosen level of cover) and protect you from any business expenses or lost income if you are injured on the job, ensuring that you can focus on recovery without financial stress.
Income protection insurance is a great piece of cover that guarantees a steady income (monthly payments) if you're unable to work due to illness or injury, providing financial stability during the recovery period.
Why do I need Heating engineers insurance?
Simply put, having the correct insurance in place can be the difference between your business being financially covered in the event of a claim being made and your business having to foot the bill itself. Here at Rhino, we understand the needs and requirements of all tradespeople when it comes to your insurance and having the right cover in place.
We have worked hard with our A-rated partners, underwriters and insurance providers to craft some of the best insurance policies for heating engineers on the market, offering comprehensive cover at competitive rates which ultimately give you and your clients the peace of mind you deserve. In fact, we have over 3,500 five-star reviews from tradespeople all over the UK sharing their experience of taking out cover with Rhino.
So, what are you waiting for? Join a trade-specific, award-winning insurance broker who can offer bespoke insurance for your heating business today. Get a straightforward quote by calling 0116 243 7904, or grab yourself a price online below.
How much does heating engineers insurance cost?
At Rhino Trade Insurance, we've crafted exceptional, budget-friendly policies tailored specifically for heating engineers who work with gas and heating systems daily. Our public liability insurance for heating engineers starts at £24.17 per month*, and our policies allow you to focus on your business with peace of mind, knowing you're protected against potential accidents and mishaps.
Rhino offers a variety of coverage options to protect your business, whether you're a solo operator or running a larger team. The cost of your insurance will vary based on the level of cover you need, the size of your business, and the specific risks associated with your trade.
We speak with tradespeople across the UK daily, so why not reach out and discuss your insurance needs with us? Call us on 0116 243 7904 or get a quote by clicking the button below.
*All payments inclusive of IPT and monthly payments include direct debit administration fees.
Rhino's Take: Plumbers and heating professionals across the UK are flocking to Rhino Trade Insurance for their protection. In fact, over 31,000+ trade businesses have got a quote from us!
PUBLIC LIABILITY INSURANCE FOR HEATING ENGINEERS
Among the many different insurances available to heating engineers, the most common and often seen as the most valuable insurance is public liability insurance. Public liability cover for heating engineers provides peace of mind in a trade rife with dangers and risks to both tradesman and customer. Public Liability provides protection against claims arising as a result of accidental death or injury caused by your work to members of the public. Whether this is your customer, client, or a passer-by, if your job causes injury or death to someone else, you will be liable to pay compensation.
We offer 3 core levels of cover for Public Liability Insurance
- £1million
- £2million
- £5million
Rhino’s public liability insurance for plumbing and heating engineers also provides cover in both commercial and domestic environments, meaning that unless you are operating in an extremely hazardous location, chances are that you will be covered. You must remember that claims against your liability insurance can be substantial, therefore having the right level of cover in place is vital in ensuring that should the worst happen, you would still be covered.
DO I NEED HEATING ENGINEERS PUBLIC LIABILITY INSURANCE?
Your heating engineer’s business may be large or small but know that Rhino’s public liability insurance provides cover for up to 7 employees via our unique quote engine, and even more upon referral. That means that should you take on sub-contractors, employees or have additional working directors then Rhino will still have you covered. We also offer Employers Liability Insurance at £10 million cover for heating engineers as an add on to our public liability cover.
You can learn more about what public liability insurance covers here, but in short, our heating engineer’s public liability insurance provides cover up to £5m with an excess as £500 as standard. Our excess increases to £1000 in the unlikely event that a claim arises as a direct result of the use of heat but note that you are still completely covered in the event that a claim does occur as a result of the use of heat.
Heating Engineers Public Liability Insurance can be purchased easily via our online insurance shop, and you can get quotes within 30 seconds. Full set up of your insurance usually takes 5 – 10 minutes and you will receive policy certification and documentation instantly following purchase. Policy documentation will be emailed to you as well as hosted within your online account here at Rhino.
PREFERRED PARTNERS OF GAS APP UK
Gas App UK is the gold standard in toolbox apps, offering heating engineers across the country access to unrivalled information, support, and expertise. With a gigantic library of boiler manuals and endless information on heating equipment and apparatus, the app offers information on a scale unbeaten on any app store. Rhino Trade Insurance is honoured to be the official insurance partner of Gas App UK, offering its members our cheap public liability insurance as well as a vast range of other policies that heating engineers can benefit from. The best thing about Gas App? It is free!
