Gas Safe, HETAS, OFTEC, APHC, Benchmark & BESCA Heating Installer Insurance | SRS Insurance
SRS Insurance provides specialist insurance for heating installers registered with Gas Safe, HETAS, OFTEC, APHC, Benchmark and BESCA. Tailored cover for gas engineers, oil heating technicians, solid fuel installers, plumbing contractors and heating system specialists.
Why Heating Installers Need Specialist Insurance
Heating engineers are responsible for safety-critical systems. If something goes wrong, the liability can be catastrophic.
We regularly review policies for heating installers and find major issues such as:
Common policy problems
- Exclusions for gas work, oil work, or solid fuel installations
- No cover for combustion appliances, flues or chimney systems
- Water-damage exclusions for plumbing works
- No Professional Indemnity for commissioning & sign-off
- PL limits too low for commercial jobs or building control requirements
- No cover for subcontractors or labour-only operatives
- Incorrect heat work / hot works endorsements
- Exclusions for escape of fuel or heat damage
The risks to your business
- Personal liability for CO poisoning or fire incidents
- Claims declined due to exclusions
- Failure to meet Gas Safe, HETAS or OFTEC scheme requirements
- Loss of compliance status under Benchmark/APHC/BESCA
- Legal and financial exposure
- Loss of public trust and damaged reputation
Heating installers cannot rely on generic tradesman policies.
SRS Insurance ensures you are fully protected.
Insurance for Gas Safe Registered Engineers
Gas Safe engineers work with combustible gas, boilers, flues, and pressure systems — areas where insurance needs to be precise.
We provide Gas Safe-aligned insurance covering:
What we cover
For all ECO4/PAS 2030 measures including:
- Boiler installation, servicing & repairs
- Gas appliances
- Flues & ventilation systems
- Pipework & pressure testing
- Commissioning & certification
- Landlord gas safety checks
Key protections
- Public & Products Liability
- Professional Indemnity for inspection, testing & certification
- Hot works cover
- Water damage from plumbing faults
- Cover for escape of fuel, fire and explosion
- Employers’ Liability
- Tools, equipment & contract works
SRS Insurance policies align with Gas Safe audit expectations and the risks you face daily.
Insurance for HETAS (Solid Fuel) Installers
HETAS installers work with high-temperature systems, chimneys, combustion appliances and flue designs — all high-risk activities requiring specialist cover.
Covered activities
- Solid fuel stove installations
- Biomass boilers
- Flue and chimney work
- Fireplace fitting
- High-heat output systems
- Lining, sweeping & commissioning
Key insurance features
- Fire & heat-related risk extensions
- Structural damage from incorrect flue installation
- Chimney failure liability
- PI cover for design/specification of chimneys & combustion systems
- Hot works and onsite heating risks
Our policies help protect HETAS installers against the industry’s most dangerous liabilities.
APHC (Plumbing & Heating) Installer Insurance
APHC registered contractors handle water systems, hot water storage, heating systems, bathrooms, kitchens, pipework and more.
Our insurance supports:
- Plumbing installation & repairs
- Heating system upgrades
- Hot water cylinders
- Bathrooms & kitchens
- Water supply systems
- Underfloor heating
- Cold & hot water storage
Key protections
- Water damage & escape of water cover
- Workmanship & resulting damage extensions
- Employer’s Liability
- Tools & contract works
- Heating system risks
- PI for design/installation oversight
Plumbing and heating work demands specialist risk management — we provide it.
BESCA Heating & Building Services Installer Insurance
BESCA covers heating, mechanical, ventilation and building services installers.
We provide cover for:
- Heating system installation
- Hot water systems
- Ventilation & ducting
- Mechanical building services
- Certification responsibilities
Included protections
- Public Liability
- PI for design/specification
- Water & heat damage
- Workmanship & resulting damage
- Employers’ Liability
Our policies map neatly onto BESCA CPS requirements.
Who We Insure
We cover all business types:
- Gas Safe engineers
- Oil heating technicians (OFTEC)
- Solid fuel installers (HETAS)
- Plumbing & heating contractors (APHC)
- Multi-trade heating companies
- Self-employed engineers
- Boiler installers
- Regional heating firms
- National installer networks
If you install, service or certify heating systems — we can insure you.
Why Choose SRS Insurance?
- Specialist in heating, gas, oil & solid fuel installer insurance
- Deep understanding of Gas Safe, HETAS, OFTEC, APHC, Benchmark & BESCA requirements
- Correct PI & PL limits for scheme audits
- Covers technical risks often excluded elsewhere
- Same-day quotes and documentation
- A-rated UK insurer partners
- Trade-specific endorsements
- Dedicated account manager
We design policies that protect your registration and your business.
Get a Heating Installer Insurance Quote
To get compliant insurance for:
- Gas Safe
- HETAS
- OFTEC
- APHC
- Benchmark
- BESCA
- Heating installers
- Plumbing & heating engineers
SRS Insurance — the specialist broker for heating system professionals.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.