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!
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.
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:
Or call us on 0800 107 8949: Mon to Thu 08:30-17:30, Fri 08:30-17:00 or Sat 09:00-13:00.
Policy features you can include in your electricians’ policy as standard
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 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:
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 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.
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 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.
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.
Exclusions to our standard policy include:
- Liability arising as a result of or in connection with any work undertaken offshore is excluded
- Professional indemnity section excludes cover for collateral warranty
- Liability for pollution or contamination occurring within USA or Canada
- Liability for damage to property caused as a result of a deliberate or malicious act by the insured, their employees or any sub-contractor
- Damage to contract works arising from or caused by wilful or neglectful act of the insured, their employee or any sub-contractor
- Damage to tools and business equipment caused by mechanical or electrical derangement
*Commercial and industrial work, including domestic scheme
Prices include £10 administration fee and IPT at 12%. The offer is for new customers only, based on £2 million public liability, one manual principal partner proprietor or director, and no claims. Covers subject to underwriter acceptance; exclude Northern Ireland. Price from as little as £129.32 a year applies to electrical domestic work only and is correct as of 15 June 2020 Price from £129.32 a year applies to commercial and industrial work, including domestic, and is correct as of 15 June 2020.