An electrician’s job comes with its own risks and dangers. Whether it’s a live wire, an exposed socket, or tripping over cables, there are plenty of hazards you, a customer, or a member of the public need to be mindful of, and each could have severe consequences. General insurance won’t work for you. You need insurance that better reflects the risks you face on a daily basis. You want peace of mind should the worst happen.
Electricians' public liability insurance
Public liability insurance for electricians is at the core of our electrician's insurance. This will provide you with protection from claims that arise from damage to a property or injury to a third party. For example, a customer or a member of the public may claim against you for a whole host of reasons – electrocuted from a faulty switch or damage to a neighbour's vehicle. Our standard electrician's liability insurance also includes professional indemnity insurance and cover for financial loss. Plus, you have the option to pay in monthly instalments on Direct Debit.
We cover electricians who are self-employed, sole traders and contractors. If you own or work for a small electrician’s business, we provide electricians’ liability insurance online for businesses with an annual turnover up to £3 million and up to 15 manual employees. If your business is bigger than this, please ring our UK based team on 0800 0280 380 or find other ways to contact us via our contact us page.
What type of electrical work do you cover?
Our electricians' liability insurance will protect you and the public from those unforeseen potential risks. We cover the following electrical work types:
Domestic: cover for private dwellings only
Domestic & light commercial: cover for private dwellings, shops, offices, public houses, guest houses, hotels, schools, restaurants and takeaways.
Commercial excluding hazardous locations: Cover for all types of properties except work in or on railways, railway installations, watercraft, blast furnaces, chimney shafts, collieries, dams, gas works, mines, power stations, steeples, towers, tunnels, bridges, viaducts, canals, docks, piers, wharves, quarries, chemical works, oil refineries or fuel depots, work in or on aircraft, work in or on airport or aerodrome runways maneuvering areas or aprons or those parts of airports or aerodromes to which aircraft have access.
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Electricians insurance FAQs
Looking for more information on whether electricians insurance is right for you? From general questions to specific scenarios, find the answer to your query.
Tools are your livelihood, that's why we offer standalone cover just for your tools. A great addition to an existing policy, tools insurance covers you up to £15,000.
Spoke to George at Trade Direct Insurance, who was very helpful in providing answer to my question and providing me with the cover I was looking for and needed.
Kieron Heritage - February 25, 2024
Easy to set up with a good tool cover at a competitive cost
Peter Hughes - February 24, 2024
Great service at a reasonable price.
Andrew Boulden - February 23, 2024
My purchase was straight forward
Kevan Handley Ltd - March 30, 2024
Very clear and straight forward and quick to set up