Cold snap, phone doesn’t stop.
Commercial insurance for heating engineers of any size: one van, or a full team of engineers. Gas, oil or renewables. We’ll quote it either way.
Heating engineer insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Stock & materials
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is heating engineer insurance?
Heating work combines gas or oil, water and other people’s homes, usually in winter when you’re busiest and least able to turn work down. What you install keeps running long after you’ve gone, and so does your responsibility for it, whether you’re on your own or running a team. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Work that keeps running
A boiler you commissioned stays yours in liability terms long after the invoice cleared.
The people doing the work
Your own engineers and any subcontractors you bring in. Both have to be declared.
The days you can’t work
If your stores is out of action in the middle of winter, that’s the worst possible timing.
Who it’s for
Whatever you’re registered for.
✓
Sole trader heating engineers
One van, domestic servicing and installation.
✓
Gas Safe registered installers
Boiler installation, servicing and repair.
✓
Oil & LPG engineers
OFTEC work and rural installations.
✓
Commercial heating contractors
Plant rooms, commercial boilers and larger systems.
✓
Renewables installers
Heat pumps, solar thermal and lower-carbon systems.
✓
Firms with a stores unit
Boiler and parts stock, engineers loading out daily.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, including after you’ve commissioned and left.
Employers’ liability
A legal requirement from your first engineer onwards.
Premises & contents
The stores, unit or office you work out of, and everything in it.
Business interruption
If your stores is out of action mid-winter, that hurts. This covers the trading you lose.
Stock & materials
Boilers, parts and materials in the stores or the van.
Tools, plant & equipment
Flue gas analysers, power tools and equipment, in the van or on site.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by heating engineers at any size, from a sole trader with one van to a firm with a stores unit and engineers. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Registration matters
Gas Safe, OFTEC or MCS registration affects how the risk is viewed.
Work that keeps running
A commissioning fault can surface a long time after the job.
Hot works
Soldering and brazing gets looked at more closely.
Renewables work
Heat pumps and solar thermal are newer and often assessed separately.
Every system is different.
A domestic combi swap and a commercial plant room don’t carry the same risk. We ask different questions, and we’ll quote both.
Heating engineers
Gas Safe engineers
Boiler installation
Boiler servicing
Domestic heating
Commercial heating
Oil & LPG
OFTEC registered
Heating engineers
Gas Safe engineers
Boiler installation
Boiler servicing
Domestic heating
Commercial heating
Oil & LPG
OFTEC registered
Heat pumps
Solar thermal
Underfloor heating
Plant rooms
Landlord safety checks
Reactive call-out
Service contracts
Renewables
Heat pumps
Solar thermal
Underfloor heating
Plant rooms
Landlord safety checks
Reactive call-out
Service contracts
Renewables
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Stores and engineers, before we quote
A sole trader working from a van and a firm with a stores and engineers on the road carry different property and stock exposures. We ask which you are before we approach anyone.
02
Cover for work that keeps running
What you commissioned stays your responsibility. We set that up properly.
03
Certificates your contracts will accept
Agents and landlords want proof before you start. We turn it round quickly.
04
We present the risk right
Registration, work mix and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your heating engineer cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Gas Safe, OFTEC or MCS registration shapes what insurers will write and on what terms, so tell us what you hold.
Heat pumps and solar thermal are newer work that insurers often assess separately from standard heating installation.
We approach insurers on our panel who write heating engineer risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Heating engineer questions, answered straight.
What insurance does a heating engineer need?
Does my Gas Safe registration affect my cover?
Am I covered if a boiler I fitted develops a fault later?
Do heat pumps and renewables need flagging?
Can my vans go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.