Gas engineers insurance · Exeter

Gas engineers insurance in Exeter

Reviewed by Matthew Bartlett, Director, Apex Insurance Brokers Limited · Published 16 July 2026

Exeter gas engineers need cover shaped to how the trade actually works — public liability, employers liability where staff are on the books, tools in vans, and often trade-specific extensions. Gas Safe registration is legally required for gas work in domestic and commercial settings. Insurance sits alongside — not part of — the registration.

Key covers for gas engineers

Public liability — £2m-£5m minimum for gas installation, servicing, and repair work.
Employers liability — £10m if you have staff or apprentices.
Tools cover — Analysers, leak detectors, specialist gas kit, spanner sets.
Commercial vehicle — Van cover with class-of-use for gas contracting.
Landlord CP12 cover — For landlord gas safety certificate work.
Financial loss extension — For failures causing tenant/client business loss.
Product liability — For any parts you supply.

Exeter-specific considerations

Cathedral quarter listed stock.
Rural South Devon extensions.
Devon County Council contracting.
Care home sector work.
Historic listed-building work.
M5 corridor operations.

Trade-body considerations for gas engineers

Gas Safe Register — legally required (was CORGI).

APHC / CIPHE membership for plumbing/heating context.

Regular inspection and re-certification requirements.

Domestic vs commercial vs LPG vs LNG — each affects rating.

What can go wrong

Gas leak from installation causing evacuation or damage — PL responds.

Carbon monoxide from faulty boiler installation — PI territory, potentially serious.

Landlord CP12 missing a defect leading to tenant claim.

Injury from gas explosion during work — PL/EL.

Damage to boiler during servicing.

Frequently asked

Does Gas Safe registration include insurance?

No — Gas Safe is competency registration only. PL and other cover is separate.

What about CP12 landlord certificates?

Landlord CP12 work carries specific exposure. Cover should explicitly extend to CP12 sign-off.

How much does gas engineers insurance cost in Exeter?

Depends on turnover, staff, van, tools value, and cover level. Sole trader with PL and tools: often £300-£700. Established firm with staff and fleet: £1,500-£5,000+. A specialist broker gives a firm figure once details are shared.

Do I need employers liability in Exeter?

Only if you employ others — then it's legally required at £5m minimum. Sole traders with no staff are exempt.

Are tools covered on my van insurance?

Not automatically. Tools-in-transit is a separate cover or extension. Ask specifically.

Exeter tradesperson quote

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Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 724952. Registered in England and Wales, company number 07014570. Trading address: QCS, 53 Queen Charlotte Street, Bristol BS1 4HQ · Serving tradespeople in Exeter and the wider region.