Electricians' Insurance

Our electricians’ insurance policy is tailored specifically to meet the needs of electricians. Here are some of the key covers we offer:

Public liability insurance

Accidents are sometimes unavoidable as an electrician, and when they happen on the job, public liability insurance is your safety net. This type of insurance can help to protect you against claims of property damage or injury that might occur while you’re working. For example, this could include if you were to make a mistake in your wiring which ended up causing a fire in your customer’s home. Public liability insurance makes sure you’re not left to pick up the pieces, covering you against the legal costs and compensation claims associated with defending a claim.

Tools insurance

As an electrician, your tools are essential to your trade, and without them, you can’t work. Our policy covers the cost of repairing or replacing your tools and equipment if they are lost, stolen, or damaged.

Professional indemnity insurance

Professional indemnity insurance is there to cover you if your advice, designs, or expertise end up causing a customer to lose money. For instance, say you’re hired to advise on an electrical installation project and the recommendations you gave caused your customer a financial setback, so they make a negligence claim against you. This could then drain your finances and future projects, so professional indemnity insurance steps in to cover the costs from any negligence claims.

Employers’ liability insurance

If you have employees, employers’ liability is essential. This cover provides benefits to your employees if they are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your employees are taken care of. In the UK this insurance is legal required, so it’s worth looking into this insurance or you could find yourself in hot water. Unless you are exempt from paying employers’ liability insurance, the Health and Safety Executive (HSE) can fine up to £2,500 a day for businesses who don’t have the necessary cover in place. You can also get fined if you fail to display your employers’ liability insurance certificate.

Legal expenses insurance

If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court fees and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example, if a customer refuses to pay you after a job, legal expense insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.

Occupational personal accident insurance

Occupational personal accident insurance is a safety net for a electricians, ensuring financial protection when you face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you’re financially supported during your recovery period, so you can focus on getting back on your feet without fretting over lost income.

• 4.8/5 customer rating on Feefo. With over 4500 reviews, you don’t have to take our word for it.

• 25+ years’ experience of insuring tradespeople. So you can rely on us to provide the insurance you need.

• Easy online cover. Receive a tailored quote for your trades business in 90 seconds by filling in our quick and easy quote form.

• 24/7 legal advice. You can access expert information and guidance with our legal advice helpline, whenever you need it.