Electrician Insurance

Specialist business insurance for electricians, from only £4.50 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 £4.50* a month

Trusted by thousands...

Our reviews speak for themselves, with highly rated feedback from over 3,000 customers.¹

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.

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Public Liability

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Employers' Liability

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Contractors Works

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Plant & Tools

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Financial Loss

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

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

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 06/03/2025. 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.

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Help & Support

Find answers to your questions and other assistance.

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.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

Frequently
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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 06/03/2025. 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