Running an electrical business means working with live wires, expensive ...
Electrician Insurance
Working as an electrician involves significant risks, from accidental injury to property damage and equipment loss. Having the right electrician insurance in place can help protect your business, your clients, and your livelihood from potential claims and unforeseen incidents.
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Call us or complete our online quote form. We’ll collect a few key details about your business.
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We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.
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We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.
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What Is Electrician Insurance?
Electrician insurance refers to a tailored selection of business insurance products specifically designed to cover the risks faced by electricians and electrical contractors. Whether you work independently, with a small team, or as part of a larger operation, this type of cover can help protect you against potential legal, financial, and operational setbacks.
As a broker, we help electricians compare policies from leading insurers to find cover that can suit their needs.
Who May Need Electrician Insurance?
Electrician insurance can be relevant for:
- Independent self-employed electricians
- Electrical contractors
- Electricians working on domestic, commercial, or industrial sites
- Electricians who offer maintenance contracts
- Electricians who employ apprentices or subcontractors
Whether working on residential repairs or large-scale commercial projects, tailored cover can help safeguard your business.
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What Can Electrician Insurance Cover?
1. Public Liability Insurance
Public liability insurance can provide protection if a third party suffers injury or property damage due to your electrical work. It is widely considered a crucial cover for electricians working on client premises.
2. Employers’ Liability Insurance
If you employ staff, employers’ liability insurance is typically required by law. It can help cover claims if an employee is injured or becomes ill as a result of their work.
3. Tools and Equipment Insurance
Electricians rely heavily on their tools to operate. Tools and equipment insurance can offer cover for theft, loss, or accidental damage, whether tools are stored on-site, in a vehicle, or at home.
4. Professional Indemnity Insurance
Professional indemnity insurance can cover costs if a client alleges that your advice or design work caused them financial loss or resulted in safety issues.
5. Business Interruption Insurance
If your electrical work is halted due to an insured event like fire or theft, business interruption insurance can help cover lost income during the downtime.
6. Contract Works Cover
Contract works insurance can provide protection for work in progress on a site in case of damage, theft, or interruption.
FAQs
Public liability insurance is often seen as essential for electricians due to the risk of causing injury or property damage while working.
If electricians employ staff or subcontractors, employers’ liability insurance is typically a legal requirement in the UK.
Tools and equipment insurance can provide cover for tools stored in vehicles, but policies may require specific security measures. It’s important to check policy terms.
Many insurers can provide cover for higher-risk electrical work, though premiums may be adjusted based on the level of risk.
Once quotes are compared and a policy is selected, cover can often be arranged promptly. The timeframe may vary depending on the insurer and the complexity of the cover required.