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!
As an electrician you can include the following covers as standard in YOUR Insurance package:
We also offer a range of optional covers so you have even more peace of mind on the job:
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.
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:
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: 08:30 - 21:00
Fri: 08:30 - 17:30
Sat*: 09:00 - 17:00
*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.
Tailoring YOUR Insurance electrical toolkit
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.
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!
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?
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.
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.
* 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.
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