Industrial electrical work, such as work in factories, warehouses, or with heavy machinery, is covered if disclosed at the time of policy setup. Ensure your policy includes appropriate liability limits and that any complex or hazardous industrial work is declared.
Yes, temporary or event-based electrical work (e.g. setting up power for a stage or marquee) can be covered under Public Liability, as long as it’s part of your declared business activities. Always ensure safe setup and disconnection, especially in public spaces.
If you’re working in hazardous areas — such as near high-voltage equipment, chemical plants, or confined spaces — standard cover may not apply unless specifically agreed. You should notify us of this type of work to check the scope of cover.
No, your policy does not cover disputes over contracts, payments, or terms. This includes issues such as unpaid invoices, disagreements over scope of work, or project delays.
Only if you’re giving advice as part of your installation work. If you’re providing safety advice for a separate fee, this is not covered under standard liability insurance.
Yes, PAT (Portable Appliance Testing) is included under general electrical work if it’s part of your declared trade activities. Make sure you’re appropriately certified and that you follow safe working practices to maintain cover.
Yes, work on listed or heritage buildings is covered as long as it’s declared and falls within the scope of your trade. Due to the complexity and sensitivity of such properties, you should check with your insurer if any special conditions apply.
If damage to a neighbouring property occurs due to accidental work-related activity (e.g. drilling through shared walls, electrical faults), Public Liability can cover the cost of repairs or third-party claims, provided it wasn’t due to gross negligence.
No, insurance does not cover the cost of training, certification, or the time lost while completing courses. However, once certified, new types of electrical work can be included in your policy if you update your business activities.
Yes, EV (Electric Vehicle) charger installation is included if it falls within your scope of work as an electrician. Ensure any structural work (e.g. digging or cable routing) is conducted safely — accidental damage to underground services may be covered under Public Liability.
