Electrician Insurance
Specialist business insurance for electricians, from only £4.83 a month.*
- Join over 150,000 customers**
- Get a quote in under 60 seconds
- Public Liability for Electricians
- Tools and equipment cover
- Employers’ Liability and more
From £4.83* a month
What does electrician insurance cover?
Our insurance for electricians’ offers the essential liability coverage 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.
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 from claims by a third-party (EG member of the public) who sustains injuries or has their property damaged as a result of your actions.
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 that are owned by you and used in connection with any contract works being undertaken by you.
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 do you need electricians' cover?
Electricians need insurance for several key reasons, mainly to protect themselves, their clients, and their businesses from the numerous risks and liabilities that come with construction projects.
Insurance not only ensures compliance with legal requirements but also shields your business, employees, and assets. Our policy can provide essential support to manage unexpected challenges effectively.
Here are some scenarios showing why insurance is necessary:
Protection from claims if a client suffers injury or property damage.
Despite precautions, accidents can occur, such as a fault with installation, which could cause or personal injury to a client or bystander.
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.
Accidental damage caused to plant and tools you own or hire.
As an electrician, you could be rewiring a home and using your own power drill to complete the job. While working, you might accidentally drop the drill and damage it beyond repair.
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 Tradesperson 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 policies start at just £4.83* a month.
Prices from
£4.83* a month
Explainer quote
Policy cost
£4.83* 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 1/10/2024. 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 150,000 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
Our UK sales team are here to help.
Frequently
Asked Questions
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.
What items are covered under the Own Plant and Tools cover?
The insurer defines this cover as contractors’ plant, tools and equipment demountable and temporary buildings and/or caravans and/or other items of a like nature and materials and/or stores and/or any other property of whatsoever nature used or intended for use in connection with any contract works. There are conditions and exclusions you need to ensure you adhere with, please ensure you take a view of these before proceeding further.
What does Contract Works cover?
Contract Works is designed to cover you for Damage and Loss to works whether permanent or temporary, to include materials used for which you are responsible for, being your property whilst you are undertaking works, not including tools, plant and equipment you own or that you have hired in for the works. We are unable to provide cover for materials and stock away from any contract site unless in transit and we cannot consider cover for contract works that exceed 24 months.
Are you able to cover the plant I use for my trade?
Yes, we can cover plant you own and plant you hire in. We have different sums insured that can be selected and the sums selected also have single article limits for plant you own and maximum hire charges for equipment you hire. Please also note that if you own or have hired a single piece of plant equipment that costs more than £10,000, when its not in use it is stored in a securely locked building of standard construction or is immobilised in accordance with the manufacturers recommendations.
Can I include liability cover for subcontractors, who I use to assist my business?
This depends on your agreement with your subcontractors. Bona-fide subcontractors will have to have their own insurance cover and cannot be included on your insurance policy and in the numbers requested herein, you will be obligated to retain proof of their insurance. Labour-only subcontractors can be included on your policy of insurance, for work they provide under contract with yourself and your business only and should be included in the total numbers you provide in this application of insurance.
Does your policy allow me and my staff to provide work using heat away from our premises?
No, not for the majority of trades available to be selected, with the exception of some of the builders trades, landscapers trades and electricians, where there will be an endorsement added to your policy, allowing you to undertake work away from your premises, subject to you complying with a set of conditions outlined in the added endorsement titled ‘Hot Working and Use of Heat Equipment away from your Premises Condition Precedent.
Do I need insurance if I work from home?
Yes, you need public liability insurance to protect you against claims arising from accidental injury to a client or damage to their belongings.
Can you cover my tools for damage, loss and theft?
Yes but this is subject to conditions and exclusions. For example we are unable to cover loss due to disappearance or shortage and theft from unattended vehicles unless the vehicle is stored in a garage, locked building or secure compound. Please make sure to read the conditions and exclusions in full.
Does this insurance policy cover me for working overseas?
This cover is meant for work in the United Kingdom, however it will allow cover abroad temporarily (max 25 days throughout your annual policy), for manual work in the EU and non-manual work anywhere in the world, in conjunction with your Business only.
Discover more from Protectivity
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 01/10/2024. 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 Sep 2024
¹Based on live Feefo data