Boilers not used in trade processes but this does not preclude their use in business premises exclusively for domestic’ purposes such as central heating, supplying hot water for hand washing or use in the works canteen. The term is important as the standard fire policy provides cover for explosion damage caused by boilers used for domestic purposes only. In the same way the standard fire policy covers explosion caused by gas supplied for heating, etc.

Unlimited liability for injury to domestic employees is covered under the household contents policy. As domestic employees are employed in a household not a business, compulsory insurance does not apply.