Working as an electrician comes with risks. Whether self-employed, running a small business, or working as part of a team, having electrician insurance helps protect your business. It is not just about tools; it is about financial protection if a claim arises.

We explain what electrician insurance covers, why it matters, and which types of cover could suit UK electricians.

Why Electricians May Need Insurance

Even careful electricians face things that can go wrong, including:

• Tools being stolen from a van or site

• Clients making claims about faulty work

• Accidents on site causing injury or damage

• Employees getting hurt while working

Without insurance cover, these risks could lead to large legal actions and costs that many small businesses could struggle to pay. Insurance is designed to help cover those costs and offer peace of mind.

Essential Insurance for Electricians

Public Liability Insurance

Public liability insurance is often seen as the key cover for electricians. It helps protect if a customer or member of the public gets injured, or if property is damaged because of your work.

Example: You drill through a pipe while fitting wires, causing water damage.

Employers’ Liability Insurance

If you employ staff, employers’ liability insurance may be required by law. It protects against claims made by employees if they get hurt or ill because of work.

Example: An employee is injured by faulty tools on a job.

Professional Indemnity Insurance

While not always seen as essential, professional indemnity insurance cover protects if clients claim bad advice or mistakes caused them a loss.

Example: A client follows your wiring advice, but later faces repair costs due to an error.

Tool and Equipment Cover

Electricians rely on tools. Insurance can cover loss or damage to items like drills, testing kits, and ladders. Cover may apply at home, in vans, or on-site.

Contract Works Insurance

For larger jobs, contract works insurance helps if damage happens before work is complete. It could apply to rewiring projects, installations, or other contracted tasks.

What Level of Cover Might Be Needed?

The right amount of cover depends on:

• Size of the business

• Value of tools and equipment

• Type of projects carried out

• Client requirements (some may ask for set public liability insurance limits)

We help electricians find policies with a level of cover that matches their work.

Why Insurance Is Important for Small Electrical Businesses

Even a small business needs protection. A single insurance claim could lead to serious financial strain. Risks include:

• High-value client claims for professional negligence
• Accidents involving members of the public
• Tool theft affecting work ability

Arranging the correct type of cover means your business is ready for a wide range of possible problems.

How Brokers Can Help

We support electricians in arranging tailored insurance offers that suit their business type. Whether you are a sole trader or run a small team, we help arrange:

• Public liability insurance
• Professional indemnity insurance cover
• Employers’ liability insurance
• Tool insurance

The aim is to help electricians trade with peace of mind, knowing they have financial protection if a claim arises.