Electricians insurance

Q: Do electricians need employers’ liability cover?

Most employers are required to have employers’ liability insurance. Employers’ liability insurance provides cover in the event of employee injury. For more information on whether you are required to have employers’ liability insurance visit Employers' liability insurance - GOV.UK (www.gov.uk).

Q: Do electricians need professional indemnity cover?

Professional indemnity insurance can cover you in the event that your advice, instructions, designs or other professional services are directly responsible for causing someone a financial loss. If you think you may need this type of cover, get in touch with us.

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*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

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What is electricians insurance?

As an electrician, ensuring you have the right protection for your business could be essential. Whether you’re a self-employed electrical contractor or manage a team of electricians, having comprehensive electricians insurance could be important to protecting your livelihood. Business insurance for electricians can cover everything from liability claims to tool protection, helping you run your business with peace of mind.

Electricians business insurance is designed to cover the risks associated with your work, whether you’re installing electrical systems, maintaining them, or handling repairs. This type of insurance could protect your business from various potential liabilities, such as accidentally damaging property, injuring a member of the public, or covering the cost of stolen tools. With the right insurance for electricians, you could avoid financial setbacks and continue working with confidence.

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We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

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What cover can business insurance for electricians include ?

You can compare tailored insurance options for electricians which are designed to cover a wide range of risks:

Professional indemnity insurance

This can protect you for loss or damage to clients or third parties resulting from negligent services or poor advice.

Equipment & tools cover

Cover for your essential business equipment and tools, whether they're at home, in the van or on-site.

Contract works insurance

Protection against the loss of, or damage to, a construction project or site. You’ll be covered for the labour and material costs to re-do the work.

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Own or hired in plant insurance

This can protect you financially against the costs of damage to or loss of plant machinery that you own or hired.

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How electricians insurance can protect your business

Your electricians insurance policy can cover a range of events that could protect your business, including:

Cover the Costs: Whether you accidentally damage a client’s property or a worker is injured on the job, having insurance can help cover the costs of repairs, medical bills, or compensation payments.
Legal Protection: Electricians business insurance could help cover legal expenses, including legal fees and legal costs, if you’re faced with a claim.
Peace of Mind: Having the right level of cover tailored to your business needs ensures you can focus on your work without worrying about potential liabilities or financial loss.

Electricians insurance FAQ's

If you have a question about your electrician insurance, you might find the answer here in our FAQs.

Do electricians need employers’ liability cover?

Do electricians need professional indemnity cover?

For more information on protecting your business, check out our FAQ's Hub

Additional information on electricians business insurance

How much does electricians insurance cost?

The cost of electricians insurance varies based on your business size, needed level of cover, and work-related risks. A tailored quote ensures you're only paying for essential coverage, avoiding unnecessary expenses while maintaining full protection.

Protecting your tools

Your tools are essential to your trade, and losing or damaging them can significantly impact your ability to work. Tools insurance may cover your equipment against theft, loss, or accidental damage, allowing you to replace or repair tools quickly without major financial strain.

Personal Accident Cover

Construction sites can be hazardous, and accidents are always possible. Personal accident cover may provide financial assistance if you are injured and unable to work. Additionally, accidental death coverage could offer financial support to your loved ones in the unfortunate event of a fatal accident on the job.

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Safeguard your business from financial risks including professional negligence claims, equipment and tools damage or theft, public liability, plant insurance and much more.

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What is electricians insurance?