Construction Insurance Specialists
If you work as an electrician, whether as a sole trader, part of a team, or running your own electrical business, having the right insurance cover in place is vital. From the risk of electric shock or fire to accidental damage on a client’s property, your line of work involves more hazards than most. That’s why a tailored electricians insurance policy is essential to protect you, your tools, your clients, and your livelihood.
What Does Electricians Insurance Cover?
Electricians insurance isn’t a one-size-fits-all policy. It’s a bundle of different types of cover that can be combined to suit your business needs. Common elements include:
Public Liability Insurance
This is the core of any electricians policy. It protects you if someone is injured or their property is damaged due to your work. Whether you trip over a client’s cable and break their TV, or someone is injured on-site, public liability can cover legal fees and compensation costs.
Employers’ Liability Insurance
A legal requirement if you hire staff. It protects your business if an employee gets injured or becomes ill because of the work they do for you.
Professional Indemnity Insurance
If you offer advice or design services and that advice leads to a financial loss, professional indemnity insurance helps cover legal costs and compensation claims.
Tools and Equipment Insurance
Your tools are your livelihood. This type of cover protects against theft or damage, whether your tools are stored in your van, on-site, or at your home.
Contract Works Insurance
Also known as contractors all-risk insurance, this protects you if ongoing work is damaged or needs to be redone due to fire, theft, flood, or vandalism.
Personal Accident Cover
Provides a financial payout if you’re injured and can’t work, helping with lost income during your recovery.
Why Is Electricians Insurance Important?
Electrical work is classified as high-risk by insurers, for good reason. You’re working with live wires, ladders, and expensive equipment in all kinds of environments. A single mistake or accident can lead to costly claims, and without cover, you’d be personally liable.
Clients and contractors often require proof of insurance before giving you work. In some cases, you won’t even be allowed on-site without valid public liability insurance in place.
How Much Does Electricians Insurance Cost?
Costs vary depending on your business. Factors that affect your premium include:
- The level of cover you need
- Whether you employ staff
- Your claims history
- The value of your tools
- The types of work you do (domestic vs. commercial, high-voltage, etc.)
The easiest way to find out is to compare quotes. That’s where we can help.
Compare Electricians Insurance Quotes
With Quote Goat, you can compare electricians insurance policies by filling out one simple form. Your details will be sent to a specialist broker who understands the needs of tradespeople. They’ll compare leading insurance providers, including those which you cannot get from online tools and help you find the right cover at a competitive price.
To get started, click the “Get Quotes” button below or visit our Tradesmen Insurance hub, where you’ll also find information about other types of trade cover.
FAQs
Do electricians need professional indemnity insurance?
Not always, but it can be helpful if you’re offering advice, designs, or reports. It protects you against claims for negligence or errors in your professional services.
Is tool theft covered in electrician insurance?
Tool cover can be added to your policy to protect valuable items like drills, testers, and power tools, especially important if you store them in your van.
Am I covered if I subcontract part of a job?
You’ll need to inform your insurer. Some may cover subcontractors automatically, while others may require specific employers’ liability or additional disclosures.
What level of public liability cover do electricians need?
Many insurers offer £1M, £2M, or £5M in cover. Larger contracts or working in commercial environments may require a higher limit.
Will my policy cover working at height or in confined spaces?
Some policies cover this by default, while others may exclude it. Be clear about the types of work you do when applying.
Do I need insurance if I only work on domestic properties?
Yes, even small domestic jobs can result in expensive claims if something goes wrong.
