Electrician Liability Insurance

Some of our Insurance providers

Electricians Public Liability Insurance - why do Electricians and Electrical Contractors need it?

To protect YOUR hard earned money and YOUR reputation as an Electrician!

You work hard to build your Electrical business and it's reputation. Without Electricians Insurance, if a claim was made you would be personally liable to settle any payout. How would that cost impact on you, your family and your livelihood?

Liability Insurance covers you as an Electrician or Electrical Contractor should your customers, their property or the general public suffer an injury or some damage to their property due to your work or equipment. (Accidents are covered - but nothing malicious, sorry!).

Q: What are the consequences of not having Public Liability Insurance?

A: Any claim (and it could be £000's or £millions) would have to be paid by you personally!

Q: What could the consequences be of you having to pay a claim personally?

Q: Where would the money come from?

Q: Could you still pay the mortgage?

Q: Could you still afford to go on holiday?

Q: How would you and your business survive?...

The good news: Whatever the size of a claim (be it £000's or £millions) if you have the right Public Liability Insurance as an Electrician YOUR Insurance and our insurers will deal with it from start to finish. This is what we do, leaving you to get on with what you do best; your trade.

We know that you are busy and searching for Business Insurance is not exactly fun, that's why YOUR Insurance has made finding the right Electricians Insurance quick and simple. YOUR Insurance has teamed up the UK’s leading Business Insurance companies allowing you quote, compare and buy online NOW.

To find out about what we cover with our policies, read more on our Benefits page.

Compare Electricians Public Liability Insurance from YOUR Insurance now!

 Electricians Public Liability Insurance

Why choose YOUR Insurance?

You could save money with exclusive deals: At YOUR Insurance we offer prices and schemes from leading UK insurers that you can't buy direct.

Instant quotes: Quote, compare and buy online 24/7 365 days a year.

In-house Underwriters
: On hand to help get you covered!

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

Policy documents emailed to you: So you can access them day or night.

Call us for free! Need help? we are available to help you Monday - Friday 9am - 9pm and Saturday 9am - 5pm 0800 107 8949

What you see is what you pay: 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.

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

Key features of our policies

All of our Electricians and Electrical Contractors Insurance policies provide cover for:

Public Liability
This forms the core of all of our Electricians Public Liability Insurance packages. It can protect you against injury caused to third parties and against damage to third party property.

Public Liability Insurance for Electricians can cover the legal defence costs for alleged negligence and pay compensation where your business is found to be at fault.

Policy limits of £1 million, £2 million & £5 million, with £10 million available for certain Electrical trades.

Optional features

Employers Liability
You are required by law to have Employers’ Liability Insurance for people you have under a contract of service with you; either as manual labour, clerical work or otherwise. Limited companies also require Employers Liability Insurance under this law. You could face fines of up to £2500 per day if you do not have an Employers Liability Certificate.

Tools - (Handheld e.g. power drills)
Most Electricians know tradesmen who have had their tools stolen. Our policies can cover you against theft or damage to your portable handheld tools and their accessories.

Plant - (Larger tools or cherry Pickers)
Your own plant, or plant which you have hired for work on a contract, can be insured against theft or malicious damage.

Contract works - (The actual work being carried out and related materials)
This covers the contracts you are working on including materials eg. If you are half way through re-wiring a property and an insured peril occurs, such as a fire, flood or malicious damage and this destroys some or all of the property, then Contract Works Cover will pay to put you back in the position you were in before the peril occurred.  As with all insurance policies, limits and level of cover will depend upon the package you choose.

Things to look out for - Exclusions and tips

To make sure that you get the most from your Public Liability Insurance for Electricians and Electrical Contractors, you need to make sure that you bear these things in mind when choosing your policy and running your business:

Public Liability excesses
Given that the work covered by an Electricians Public Liability Insurance may differ, policy excesses will vary according to your activities.

Statutory exemption from Employers Liability cover
If you run a family business in which your employees are closely related to you, you would usually be exempt from Employers Liability unless your business is run as a Limited company

Policy restrictions
Some insurers will restrict cover by applying height or depth limits, or by restricting the use of heat equipment. You may also find with certain Electricians Public Liability Insurance Policies that the types of premises you are insured to work upon are restricted.

Theft of tools
You will know that tool theft is an occupational hazard for the Electrical Contracting trade. Because of this, most insurers have conditions which specify minimum security requirements to reduce the risk. For example, your policy is likely to require that you store your tools out of sight and inside a locked van or building overnight.

 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