Electrician Liability Insurance

Electricians Public Liability Insurance from YOUR Insurance

Accidents happen when you least expect them. Even a small one can leave you with no income for months. But when you are on the job, your primary goal is to get it done, not to worry if you are sufficiently covered or what may happen if you are not…

That’s where YOUR Insurance comes in. We are here to help you tailor your policy the same way you assemble your toolkit – smoothly and with no fuss, making sure you pay only for what you need!

  • Domestic work only cover from as little as £84.24 a year2.
  • Commercial and Industrial work, inc. Domestic, cover from £92.23 a year3

As an electrician you can include the following covers as standard in YOUR Insurance package:

  • Public and Products Liability up to £2m
  • Professional Indemnity up to £100k
  • Commercial Legal cover up to £100k
  • Incidental Efficacy up to £100k4
  • Financial Loss cover up to £50k
  • Jury Service cover up to £1k

We also offer a range of optional covers so you have even more peace of mind on the job:

  • Increased Public and Products Liability up to £10m
  • Increased Professional Indemnity up to £5m5
  • Employers’ Liability
  • Personal Accident
  • Overnight tools cover6
  • Tools in Transit
  • Plant Cover (including Hired in Plant and Own Plant)
  • Incidental Cover for Additional Trades
  • Contract Works

What’s more – YOUR Insurance offers an exclusive 10% discount to electricians accredited by any electrical trade body in the UK. Let us help you protect your business. Call our dedicated advisors on 0344 980 8367 to arrange cover or find out more.

Right idea, wrong time?

If your tradesman insurance renewal isn’t due yet, simply let us know your renewal date and we’ll contact you closer to the time.

 

1 The 10% discount is available to electricians or electrical contractors only, who purchase Electricians Public Liability policy with YOUR Insurance. You will need to hold a current accreditation issued by an electrical trade body based in the UK and provide your accreditation number to purchase the policy. The offer excludes Northern Ireland. You will need to submit your public liability renewal date to us by the end of 31 December 2017 to qualify for the offer.

2 Price includes a 10% discount off the base premium, £10 administration fee and IPT at 12%. The offer is for new customers only, based on £2m Public Liability, 1 manual Principle Partner Proprietor or Director, no claims. Cover subject to underwriter acceptance; excludes Northern Ireland. Price applies to Electrical Domestic work only and is correct as of 21 June 2017.
Exclusions to our standard policy include:

  • £250 excess for public liability claim
  • Cannot work above 15 metres including any basement height
  • Cannot exceed 20% of your turnover as payment to bona-fide sub-contractors
  • Other standard exclusions apply, for more information please read your policy documents

3 Price includes a 10% discount off the base premium, £10 administration fee and IPT at 12%. The offer is for new customers only, based on £2m Public Liability, 1 manual Principle Partner Proprietor or Director, no claims. Cover subject to underwriter acceptance; excludes hazardous areas and Northern Ireland. Price applies to Electrical Commercial and Industrial work, including Domestic and is correct as of 21 June 2017.
Exclusions to our standard policy include:

  • £250 excess for public liability claim
  • Cannot work above 15 metres including any basement height
  • Cannot exceed 20% of your turnover as payment to bona-fide sub-contractors
  • Other standard exclusions apply, for more information please read your policy documents

4 Subject to no more than 15% of the businesses turnover being directly attributed to the design, advice, installation, maintenance and repair of Theft or Fire Protection Devices. Higher limits with no restrictions on the percentage of the businesses turnover are available for an additional premium subject to underwriter agreement.

5 Subject to underwriter agreement.

6 Tools need to be stored on secure premises, for example in a vehicle left in a secure building such as a garage or in a lock-box in a secure compound.

 Electricians Public Liability Insurance

Tailored insurance covers for Electricians and Electrical Contractors

Insurance shouldn’t interrupt the way you work, but make you feel reassured it's always there when you need it. That's why we ensure policies you take out with YOUR Insurance work with You so you can:

Spread your payments: to help manage your business cash flow, you can choose to pay your insurance premium by monthly Direct Debit.

Save time and money: we will email all of your policy documents to you so you’ll have them straight away.

Call us for free: our free of charge line 0344 980 8367 is open

Mon - Thu: 8:30am - 6:00pm
Fri: 9:00am - 5:30pm
Sat*: 9:00am - 1:00pm
*only open for van, multi-vehicle, car and home

See exactly what you pay for: We don’t start adding to the price after you’ve said go ahead, so you will never pay more than the price you see.

Have peace of mind: By taking out our Electricians insurance policy you’ll know you have the support of one of the Europe's largest independent insurance brokers, Towergate Underwriting Group Ltd.

 Electricians Public Liability Insurance

Tailoring YOUR Insurance electrical toolkit

Policy features you can include in your electricians’ policy as standard

Public and Products Liability

Public Liability Insurance

This will cover you against being sued for injuring third parties or causing damage to third party property when you are working.

Products liability can be combined with public liability. Adding products liability to your insurance would protect you against claims arising from using defective products or applying them in a negligent way which caused injury to your client.

YOUR Insurance offers £2m Public and Products Liability cover as standard for electricians and electrical contractors. We also provide higher limits of £5m and £10m as policy extensions.

Professional Indemnity

Professional Indemnity Insurance

Professional indemnity is a vital insurance to provide financial protection against legal action if there are any errors or omissions in your advice leading to an alleged financial loss for your clients. Potential risks professional indemnity insurance could protect you from include:

  • Negligence
  • Defamation
  • Accidental breach of confidentiality
  • Dishonesty
  • Loss of professional data
  • Intellectual property infringement

YOUR Insurance offers a £100k limit on Professional Indemnity cover for electricians or electrical contractors as standard or up to £5m limit as a cover add-on. Please note the higher limits are subject to Underwriters approval.

Commercial Legal

tools

Commercial legal cover will help you defend your legal rights. As an electrician or electrical contractor, we can provide you with Commercial legal cover up to £100k, which includes: employment disputes, taxation proceedings, jury service allowance and contractual disputes.

Incidental Efficacy

Efficacy cover protects you against legal liability as a result of a product or service you provided, which failed to perform as and when intended. The limit of incidental efficacy cover provided to electricians and electrical contractors by YOUR Insurance is £100k.

The cover is subject to no more than 15% of the businesses turnover being directly attributed to the design, advice, installation, maintenance and repair of Theft or Fire Protection Devices. Higher limits with no restrictions on the percentage of the businesses turnover are available for an additional premium.

Financial Loss

Financial Loss

Financial Loss cover protects you from pecuniary loss cost or expense which was not caused by injury or physical loss, pollution or contamination. We offer £50k limit to electricians or electrical contractors. Depending on circumstances, additional efficacy cover is included for financial loss.

Jury Service

Jury Service

Being called for jury service is an event no-one can predict. Your civic duty can turn into your worst nightmare if you have jobs worth thousands of pounds scheduled to take place at the same time as your jury service. Jury service cover can protect you against such risk and keep your business going. YOUR Insurance offers £1k limit to electricians or electrical contractors.

Optional features

Employers' liability

Employers Liability Insurance

If you have employees working under you, you will need employers’ liability insurance by law and without it you could face a hefty four-figure fine for every day it isn’t in place!

Tools in transit

tools

You might have acquired the tools of your trade slowly over time, but have you considered just how much it would cost to replace them all if they are stolen?

Hired in plant

plant cover

A plant which you have hired for work on a contract or one that you own can be insured against any theft or malicious damage.

Contract works

“contract

This cover protects your building contracts against malicious damage whilst the work is still in progress. It also covers equipment and materials from theft or damage.

 Electricians Public Liability Insurance

Tips and Guides

  • Something that our sales teams often hear is clients asking “do I really need all of this cover?” and it is a very fair question that deserves looking at. It is also one for which there is no simple answer…
  • Retraining as an electrician: Our guide to becoming a 'Sparky' in Guildford