Electricians Insurance

Do you need electricians’ insurance? This section explains what type of cover you should have if you are working as an electrician or running an electrical contracting business.

Why do electricians need insurance?
What type of insurance do electricians need and what level of cover?
Why compare electricians’ insurance with Coverzones?

Why do electricians need insurance?

Whether you are self-employed or working as an electrical contractor, insurance is key to your success. Electricity is potentially dangerous and you need cover against accidents to your clients, their property and the public at large. If you employ people, you must have cover for your employees or sub-contractors by law and you may also want to cover yourself against legal action for bad advice or poor workmanship that costs your customers money.

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What type of insurance do electricians need and what level of cover?

Insurance for electrical contractors and electricians needs to cover a number of important areas:

• Public Liability Insurance for electricians: Your work has the potential to cause danger to members of the public, to your customers and of course, presents a possible fire risk to any premises, buildings or homes you may be working in. Public Liability Insurance covers you against a claim for death or bodily injury to someone or damage to property that may be caused by your work. It is essential for you, whether you are a sole trader or an electrical contracting company. If you sub-contract for a larger contractor or are a member of a professional body, they will probably specify how much cover they expect you to have – usually at least £5m.

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• Employers Liability Insurance for electricians: If you employ anyone even if they are part-time, apprentices or day release students – the law requires you to have this cover. A minimum of £5m is required to compensate employees for death or injury at work.

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• Professional Indemnity Insurance for electricians: Imagine you undertake to rewire an office building and the day it goes live, a power surge wipes out all of the data on the company’s computers. If the installation was to your specification, or the surge protection was ineffective because of your work, that company could sue you for compensation. Professional Indemnity Insurance would pay any costs incurred and keep you in business, because it covers you against claims made for poor work or wrong advice.

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• Electricians Tradesman Insurance: Electrician or electrical contractor, insurance can be complicated and there’s a lot to be said for having one policy for everything. Tradesman insurance will cover you for all of the above as well as offering options such as tool or plant cover, theft, product liability etc tailored to your specific needs.

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Why compare electricians’ insurance with Coverzones?

Coverzones saves you time and energy by enabling you to get lots of quotes together in one place. Just put in your details and we’ll gather lots of quotes from reputable insurers and you can choose which one is best for you. It’s all done online and once you sign up, you can keep all the details in a free secure account. That way you always know where to come should you need to make a claim, renew or change details.

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