Insurance for Electricians

by Editor on September 3, 2017

Electricians Get Covered!

Conveniently with TradesmanSaver you can get a fast online quote for Electrician’s Insurance without the need to hang on the phone. Worth a try when you’re looking for Public Liability cover!


Electricians Insurance
It’s essential to have adequate electrical contractor’s insurance cover for both liability and sickness.
Any of us could be involved in an accident at work and fall sick which would affect income and impact on responsibilities and lifestyle.

Public Liability Insurance
Registered UK electricians are required to have a minimum electrician’s liability cover. It makes good sense to protect ourselves as we do get to work in some potentially hazardous places and situations.

A basic policy would include:

  • Public Liability
  • Financial Loss
  • Products Liability
  • Legal Expenses

Here are some of the aspects which can be covered by electricians liability insurance:

  • Public Liability- Legal liabilities protection against damage and injury to third parties. Basic minimum protection of £10,000. Often includes options for £2-10,000,000.
  • Employer’s Liability- Legal liabilities protection against claims from employees or sub-contractors working for you. This is optional on some policies. Starting at £10,000,000 this is required if you employ other people or sub-contractors in your business. You can also be fined for not having employer’s liability insurance.
  • Legal Expenses for £250,000. Essential for any claims against you or your business.
  • Products Liability- Insurance against claims for injury or damage caused by goods supplied by you.
  • Business Contents Insurance to cover loss or damage to materials or tools stored at your own or a customer’s premises.
  • Contractors All Risk- For damage to works and materials on site including expediting and hire expenses. These often have bands of £100,000, £250,000, and £500,000 limits.
  • FFI Cover- From October 2012 the Health and Safety Executive have been operating a Fee For Intervention (FFI) cost recovery scheme. This means that under the HSE (Fees) Regs those that break their rules or who are in a dispute are liable for the recovery any costs including investigations and taking enforcement action.
  • Tools and Equipment- Some insurance policies for electricians will include tools and materials stored (or in transit) in your van. It’s worth checking if this is available although may be covered as part of your van motor insurance policy.
  • Personal Accident cover is often offered as an additional option.

Sickness Cover
It’s also a good idea to cover yourself against loss of earning when you’re off sick or injured. A low cost Income Protection policy could help pay the bills if you’re ever laid up.
It’s worth checking that an electrician’s sickness insurance policy will start to pay out when you need it. Some policies can have a deferred payment period which means you’d have to be off work for several weeks or months before receiving income. Other policies can pay out from day one. So this definately an aspect worth checking before you sign up.

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More Info

Information about professional indemnity insurance.

The ABI is the voice of the UK insurance industry which provides peace of mind to households and businesses.
The UK insurance market helps Britain thrive in its global role, adding £40 billion a year to the UK economy and is responsible for more than 300,000 jobs in the insurance. More about the ABI.

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