I agree that some people seem to use Health and Safety as an excuse for everything, there's a good link on the HSE site about some of the over the top things people say. Maybe it's the people who have been ridiculous with it that have put others off.
With the boiler example, my only advice would be to do a manual handling course. Ours are only £40 each, they shouldn't be much different in price where you are and that will definitely make sure you're using best lifting practices. Your insurance company might be able to give you advice on lifting a boiler on your own when the instructions state that it's a two man lift, I think I'd have to get the Mrs to help me with that one though