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
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
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
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
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
Key features of our policies
All of our Electricians and Electrical Contractors
Insurance policies provide cover for:
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
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.
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
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
Your own plant, or plant which you have hired
for work on a contract, can be insured against theft or malicious
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
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
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
Public Liability Insurance
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