Electrician Insurance
Specialist business insurance for electricians, from only £4.50 a month.*
- Join over 180,000 customers**
- Get a quote in under 60 seconds
- Public Liability for Electricians
- Tools and equipment cover
- Employers’ Liability and more
From £4.50* a month
What does electrician insurance cover?
Our insurance for electricians’ offers the essential business cover you need to protect against potential claims, ensuring you operate securely and avoid financial losses. With public liability included, you also have the option to add extras like employers’ liability, Contractors Works cover, Plant & tools cover, tailored to the specific needs and size of your business. Whether you operate as a sole trader or larger business we can offer the cover you need.
Our policy is flexible to your needs. You can customise our Contractors All Risk cover to meet your specific requirements. Choose the level you need for contractors works, plant and tools you own and hire. If you select one or all of these extras, employee tools and personal effects will be included, up to £500.
Make sure you have the correct insurance for your trade and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Employers' Liability
Contractors Works
Plant & Tools
Financial Loss
Public Liability
- Up to £5 million available.
Protection against claims from third parties (e.g., a member of the public) who suffer injuries or have items of their property damaged due to your actions. This does not include third-party property that forms part of the working contract site.
Claims for damage to property that is part of the construction or worksite itself are excluded under public liability. For instance, if the contractor is working on a site owned by someone else and the property forms part of the construction project, such damage would not be covered by this insurance. However, this can be included by adding Contract Works cover.
Employers’ Liability
- Up to £10 million available.
- If any employee suffered physical injury or a fatality because of the employer’s negligence. If that staff member sought compensation, the insurer would handle the cost of the claim.
- If you employ any staff members, Employers’ Liability is a legal requirement.
Contractors Works
- Up to £250,000 worth of cover
- This cover can protect you against loss or damage to any permanent or temporary works you’re responsible for, including all the materials.
Plant & tools hired
- Up to £50,000 worth of cover.
- Covers you for loss of or damage to, hired tools and equipment, temporary buildings, caravans, or similar that you have hired in connection with any contract works being undertaken by you.
- Cover also includes your legal liability for hiring charges following damage to any hired property.
Plant & tools owned
- Up to £75,000 worth of cover.
- Covers your tools and equipment, temporary buildings, caravans, or similar on-site that are owned by you and used in connection with any contract works being undertaken by you.
- Covers your tools and equipment off-site if locked in an unattended vehicle. This is only available as an extension of plant & tools owned cover and covers your own portable tools, including power driven portable tools and business equipment, when kept in a locked vehicle and left unattended.
Employees tools & personal effects
- This covers tools and personal items owned by your employees while on any site, or those you’re responsible for under a joint working agreement.
- It’s not available as a standalone cover but comes with either Contract Works or Owned and Hired Plant & Tools cover, with protection up to £500.
Financial Loss
- Up to £50,000 per claim available.
- Protection from claims from other parties relating to financial losses not directly consequent upon bodily injury or damage.
- Cover for bona fide subcontractors, who should have their own insurance.
- Claims for financial losses relating to non or late delivery of products to third parties.
For information on exclusions in your cover please refer to policy documentation.
Why electricians' need insurance?
As an electrician, you face unique risks that make insurance crucial for protecting your business and livelihood, such as:
- Working in a High-Risk Environment: Working with electricity inherently carries significant dangers. Even with the utmost care, accidents can happen, potentially resulting in fires, electric shocks, or property damage.
- Liability Exposure: If your work leads to injury or property damage, you could face substantial compensation claims and legal fees. Without proper insurance, these costs could be financially devastating.
- Equipment Protection: Your specialised tools and testing equipment are valuable assets. Insurance safeguards against theft, damage, or loss, ensuring you can quickly replace essential items without bearing the full cost.
- Client Requirements: Many clients, especially larger organisations and local authorities, require proof of insurance before awarding contracts. Having comprehensive coverage can open up more business opportunities.
- Legal Compliance: While public liability insurance isn’t legally mandated, employers’ liability insurance is required by law if you have any employees, protecting you from potential fines and legal issues.
Investing in proper insurance isn’t just about meeting legal or client requirements – it’s about ensuring the longevity and resilience of your electrical business in the face of unforeseen challenges.
Here are some scenarios showing why insurance is necessary:
Protection from liability exposure.
If your work leads to injury or property damage, you could face substantial compensation claims and legal fees. Without proper insurance, these costs could be financially devastating.
Electrician public liability insurance provides cover for such incidents, including legal expenses if a claim is made against you.
An employee or temporary worker suffers a workplace accident.
Electrical work brings a number of risks from the nature of the work and tools involved. If employees or temporary workers are involved in an accident in the workplace they could bring a claim against you for medical expenses, rehabilitation costs, and lost wages.
Employers’ liability is a legal obligation to protect you from these situations, with fines of £2500 per day for failing to comply.
Equipment protection for plant and tools you own or hire.
As an electrician, your specialised tools and testing equipment are valuable assets. Insurance safeguards against theft, damage, or loss, ensuring you can quickly replace essential items without bearing the full cost.
Without Plant and Tools insurance, you’d have to pay for replacements out of pocket, impacting your profits. With the insurance in place, the costs of replacing the broken tools would be covered, ensuring you can carry on with your work without extra financial stress.
Our experts explain why...
“Our Electricians’ insurance is specifically designed to cater for those involved in undertaking highly manual tasks and activities. We don’t just offer liability insurance for yourself and your business but also protection against allegations from staff members concerning accidents at work and we can also include cover for Contractors All Risks, which is designed to protect your material responsibilities when undertaking contracted work, cover for hired and owned plant and tools you use and cover for your staff’s tools. Our product gives you the confidence you need to focus on your specialist service, knowing that you have taken out cover that suits your needs and protects you, where you expect it to give you insurance protection.”
Chris Trotman, Protectivity Underwriting Manager
How much does electrician insurance cost?
The cost of electricians’ insurance can vary depending on several factors, for example, if you employ staff then your policy will need additional cover in employers’ liability, at a higher cost.
Investing in specialist electrician insurance is not just about protecting you from financial losses. It’s a small price to pay to provide additional, professional credibility that you are operating your business responsbily.
At Protectivity, Electricians Insurance starts from just £4.50* a month.
Prices from
£4.50* a month
Explainer quote
Policy cost
£4.50* a month
Policy type
Electrician Insurance
Duration
Annual
Turnover
Up to £250,000
Public Liability
£1,000,000
This example is based on a real quote from our website on 05/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your electricians insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
What coverage do I need for industrial electrical work?
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.
Does electrician’s liability insurance cover event installations?
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.
What insurance do I need for hazardous environments?
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.
Does my insurance cover contractual disputes?
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.
Am I covered for giving incorrect safety advice?
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.
Am I covered for portable appliance testing?
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.
Does my insurance protect work in listed buildings?
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.
How am I covered if I cause damage to neighbouring properties?
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.
Am I covered for training for new certifications?
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.
Am I covered for EV charging point installations?
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.
Am I covered for solar panel installations?
Yes, solar panel installation is covered under your tradesperson insurance, provided it is included in your declared business activities. If working at height or on roofs, ensure you’re within any policy height restrictions and using appropriate safety measures.
Is my testing equipment covered under my policy?
Yes, if you select Owned Plant and Tools cover this covers equipment used for work you undertake.
Am I covered to work with other trades?
You are covered for the terms provided in your policy whilst providing activities you are qualified to do. If they are your employees, you will need Employers’ Liability cover. If other self-employed tradespeople are working with you, they will need their own insurance.
Does electrician’s insurance cover tools stored in vans overnight?
You need to select Tools in Trade as part of Owned Plant and Tools cover to ensure you have the right cover for your tools stored in a van. We can insure up to £5000 worth of tools from theft, if left in a locked vehicle and left unattended.
Are apprentices covered under my supervision?
You need to select Employers’ Liability cover to ensure all employees including apprentices are covered when working for you.
Do I need to be Part P registered to get electrician’s liability insurance?
You will not be asked about being Part P registered when you purchase a policy, but it will be necessary to provide proof you are qualified to do the activity, in the event of a claim.
Do I need different insurance for commercial vs residential work?
You are covered for the terms provided in your policy whether you are providing services to commercial or residential situations.
Do I need to update my insurance when gaining new qualifications?
No, you will not be asked about your qualifications when you purchase a policy, but it will be necessary to provide proof you are qualified to do the activity, in the event of a claim.
Can I get insurance if I’m a newly qualified electrician?
Yes, when you get a quote for electrician’s insurance with us, we ask how long you’ve been trading. If you’re new to the trade, we can still cover you as long as you hold relevant qualifications.
How does working with high voltage systems affect my insurance?
You are not required to disclose this to us, however you will need to ensure you have undertaken and obtained suitable training and/or qualifications to work in the environments and with the tools needed for these situations.
Does my insurance cover me for electrical inspections and testing?
Yes, if you select the trade Electrical Testing then this is defined as you providing electrical inspecting and testing.
Am I covered if I accidentally damage a client’s property while working?
This can be a cover consideration if you opt to purchase contract works insurance cover, which is cover for property you work on, subject to policy conditions and exclusions
Does my electricians insurance cover me for working in people’s homes?
Yes, our electricians insurance covers you for work carried out in connection with your business, which would include working in people’s homes.
How much public liability cover do I need as an electrician?
We can offer £1m, £2m or £5m of public liability cover. You should choose a limit appropriate to your business needs and any contractual requirements.
Is public liability insurance mandatory for electricians?
Public liability insurance isn’t a legal requirement, but it is advisable that you take out adequate cover to protect your business from any claims.
What types of insurance do electricians typically need?
Electricians typically need Employers’ Liability, Public Liability, Products Liability, and Contractors All Risks insurance.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 05/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data