Your company needs public liability insurance in case a customer or member of the public is injured or their property is damaged due to your operations. You can tailor your public liability indemnity limit up to £10 million to meet the needs of your business, and you can always increase it if your clients need more coverage. If you have employees, a gas fitting combined liability policy makes it simple to obtain Public Liability protection as well as Employers Liability coverage to meet your legal requirements. Damage to the item being worked on is not covered, but the policy's liability for the consequences of poor workmanship is.
Your equipment is critical to your profession and, most importantly, to the security of your clients. We provide the option of including coverage for gas fitter equipment in your policy. All kinds of machinery can have their limits adjusted, from testing machines to specialised tools to outside machinery brought in on a temporary basis. Outside of business hours, tools must be locked up safely, and there may be a limit of one per employee. Typically, nocturnal vehicle theft is not accounted for.
No matter where you do business, we have a gas fitters public liability policy that will protect you. We will consider your operations, location, processes, turnover, staff, experience, professional certification, etc. to customise the insurance you may require as a boiler/refrigeration engineer, commercial or domestic gas engineer, safety inspector, or appliance fitter. You can rest easy knowing that your current insurance policy completely covers you by adding optional riders for employers' liability and tools coverage.
Do you require proof of public responsibility immediately in order to bid on a government contract or gain access to a construction site? Insurance for gas workers can be purchased quickly and easily online, with instant proof of coverage available through email if needed. You can quickly and easily obtain coverage and a new contract online. If you want more attention or have more complicated requirements, give us a call.
Should you not be the primary contractor at the job site, your insurance coverage will take care of you as a legitimate subcontractor and give you some much-needed peace of mind.
In the event of an accident that results in physical harm to a third party or damage to their property, your clients will want assurance that you are covered by adequate public liability insurance. Before awarding a contract or granting you access to site, principal contractors will often want proof of minimum Public Liability insurance coverage of £5m to £10m.
Public liability insurance is mandatory due to the catastrophic results of a gas explosion. High limits and a reliable insurer are priorities for many consumers. The size, type, value, and potentially dangerous nature of the locations in which you work, as well as the use of processes involving the application of heat (such as welding, soldering, or blow lamps), mean that you'll need a broker with experience in the wide variety of policies, terms, and conditions that may apply.
Insurers are more likely to cover a company if it has a history of solid management and a low incidence of accidents. Insurance companies will be more interested in your company if you implement measures to prevent, mitigate, and decrease risk. Your Gas Fitter public liability insurance premiums can be reduced because of increased competition in the market for policies covering well-managed firms. The more insurance companies we can contact, the better your insurance package will be in terms of cover, pricing, and terms underwritten by a reputable insurance company. Even in the safest of working environments, accidents can happen, exposing you to the risk of heavy financial loss due to legal fees. Security and peace of mind are worth everything, and a gas fitters public and employers' liability insurance policy is the only thing that can compare.
The hazards covered by your EL (Employers' Liability) protection apply equally to both PAYE employees and labour-only subcontractors. The dangers you face are based in large part on the nature of the employment relationships you reveal.
We exclusively work with A-rated insurance companies since it is so crucial. In the insurance industry, independent agencies provide ratings of financial stability. The firms' ratings are universally accepted as indicators of an insurer's solvency and credibility in fulfilling ongoing policy commitments. When bidding on contracts, the reputation of your chosen insurer may be a deciding factor. Business owners that care about their brand will only choose contractors who share their commitment to safety and quality. As a result, they will only hire major contractors who have insurance policies backed by companies who are rated well enough financially to qualify as Insurers. For the safety of their clients and the public at large, general contractors must insist that their subcontractors carry the same minimum levels of insurance. Before signing any contracts with a client, it's a good idea to find out whether they have any minimum insurance needs.
We offer a convenient direct debit plan that allows you to pay your premiums over the course of 10 months.