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Insure your electrician business for liability with zero hassle
Electrician insurance is a public liability policy that protects electricians from claims made by the public for injuries or property damage caused during electrical work. This insurance offers peace of mind, knowing that unexpected incidents are covered.
In partnership with some of the leading UK insurers, we’ll not only get you a better electrician insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as an electrician.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get an electrician liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is electrician insurance?
It covers a range of scenarios where your electrician business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to electricians for several reasons:
- Business reputation: Clients see electricians with insurance as trustworthy and reliable, which can give you a competitive edge.
- Financial protection: From damaged wiring to accidental injuries, electrical work carries significant risks. Insurance shields you from the financial consequences of claims.
- Legal compliance: Many clients, contractors, and governing bodies require electricians to have liability insurance before allowing them on-site.
The benefits of an electrician insurance policy
From the tools you use to the people working alongside you, being an electrician comes with risks. Public liability insurance helps protect your business if someone is injured or their property is damaged because of your work.
Public liability cover for an electrician:
Personal injury claims
Covers claims if someone is injured due to your electrical work, tools, or equipment.
Damage to property
Protects against claims for accidental damage to a client’s home or appliances.
Legal protection
Assists with legal defence costs associated with claims.
* Subject to your chosen level of policy cover and the prevailing policy excess.
Power up your insurance with additional cover for electricians
- Employers’ liability insurance: Required by law if you have people working for you. Covers claims from employees who suffer illness or injury due to their work.
- Tools insurance: Covers loss, theft, or damage to your tools. Including hand tools, power tools, and specialist equipment.
- Stock insurance: Protects the supplies you keep in stock for electrician jobs. Covers theft, damage, or loss, on-site, in a vehicle, or at your premises.
- Contract works insurance: Protects electricial work in progress if damaged by events like fire, flood, or vandalism. Covers the labour, tools, and materials needed.
How much does electrician insurance cost?
This depends on the nature and size of your electrician business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
Insurance costs are affected by the cover level you choose. Public liability starts at £1 million, but you can opt for £5 million or £10 million depending on your business needs.
Nature of business
Electrical work carries varying risks, from accidental damage to fires, which can affect your premium. High-risk electrical jobs may lead to increased costs.
Location
Where you operate can influence insurance costs. Businesses in areas with higher crime rates and potential claims may face higher premiums than those in lower.
Business size and turnover
Larger electrical firms or those handling high-value contracts usually need broader cover, which increases the premium.
Number of employees
A larger team increases potential risk exposure, as more staff raise the likelihood of claims, impacting the overall insurance cost.
Claims history
A strong claims history can help reduce premiums, while previous claims may indicate higher risk and lead to increased costs.
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Please call us on 0345 222 6318 to get more information or to discuss your liability requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.