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Tradesman Insurance for Heating Engineers

Operating as a heating engineer is a very technical line of work, and one that requires specialist skills to undertake. Here at Rhino, 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 serve as a positive commodity for trades people, but we understand that often it can seem confusing. What insurance is right for my business? Do I even need tradesman insurance? These are questions we often hear, so we want to make insurance simple for heating engineers nationwide.


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.

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Heating engineer’s cover insures anyone qualified to work on gas boilers and central heating. In trades that require qualification and certification in order to carry out, the risk of making an insurance claim becomes more prevalent. Being aware of what insurance your heating engineer’s business requires is vital in ensuring that you are working in the right way and with the right cover in place.

Rhino offers the following insurance policies that are relevant to heating engineers.

  • Public & Employers Liability Insurance
  • Professional Indemnity Insurance
  • Legal Expenses Insurance
  • Tools in Transit Insurance
  • Tax Enquiry Insurance
  • Personal Accident & Sickness Insurance

If you have any questions about what insurance is right for you, you can call our expert team at any time or liaise with us via email/live chat. As a heating engineer, insurance really is key to giving you the right financial backstop in the event of a claim, and understanding your cover is important should you ever need to make a claim.

Note that in order to get a quote for your heating engineers’ insurance you have chosen the main trade on our quote engine as ‘Plumbing & Heating’ or ‘Gas Fitter’.

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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.

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Simply put, you need heating engineer’s insurance in place to keep your business financially covered in the event of a claim being made against you and your business. Here at Rhino Trade Insurance, we understand the needs and requirements of all tradespeople when it comes to their insurance and having the right cover in place.

We have worked hard with our partners and underwriters to craft the best insurance policies for heating engineers on the market, offering comprehensive cover at very competitive rates. Insurance is something that we all look upon as a necessary evil, but always remember how important it is and the great risk you take by not purchasing the right insurance for your business.

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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!

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Our team of experts are available to talk to Mon-Fri 08.30-17.30 and Sat 10.00-14.00

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