Heating Services Insurance

Insurance for Heating Service Businesses

Heating services insurance is for businesses that install, service, maintain, repair, inspect or commission heating systems. It can suit heating engineers, service engineers, maintenance contractors, repair firms and small contractor teams working for homeowners, landlords, facilities managers, managing agents and commercial clients.

The policy should match the work actually carried out, including boilers, radiators, pipework, cylinders, pumps, valves, controls, plant rooms, heat pumps, commercial heating equipment, emergency callouts and any Gas Safe, electrical, design or commissioning responsibilities.

Who This Page Is For

• Heating engineers, heating contractors and service engineers.
• Businesses carrying out installation, maintenance, servicing and repair work.
• Contractors working in homes, landlord properties, offices, shops, factories and commercial premises.
• Self-employed trades, subcontractors and teams using vans, tools, parts, plant and materials.

What Cover Can Include

• Public liability for injury, property damage, escape of water, fire, heat damage or accidental damage claims.
• Employers' liability for staff, apprentices, labour-only subcontractors or supervised workers.
• Tools, test equipment, stock, materials, hired-in plant, contract works and goods in transit cover.
• Products liability for supplied heating parts, boilers, controls, pipework, valves and materials.
• Professional indemnity where you design, specify, advise, diagnose, commission, certify or report on systems.

Heating Services Risk Areas

Heating services claims can involve water damage, damaged floors or walls, fire or overheating allegations, carbon monoxide allegations, failed servicing, defective repairs, replacement parts, access costs, hot works, customer injury, loss of heating or business interruption where a premises depends on the system.