Skip to main content
"I wouldn't trust anyone else with my business insurance needs."

At Primo, we like all our clients to feel this way

Electricians Insurance: Safeguarding Your Business and Reputation

Electricians insurance is comprised of several cover options tied together with your liability insurance and tailored to your specific needs. Our experienced advisers will discuss the cover you need and ultimately what you want and then arrange quotes from providers on your behalf.

Understanding Electricians Insurance

Electrician feeding cable through metal wall spacers

Assessing Your Unique Needs

Our experienced advisers engage in in-depth consultations to understand your specific requirements thoroughly. We assess factors such as the scale of your operations, the projects you undertake, workforce size, and geographical cover. This comprehensive analysis helps us identify potential risks and tailor insurance solutions accordingly.

Tailored Cover Options

Beyond basic liability insurance, we meticulously curate a bespoke package that aligns with your specific business activities. This may include:
  • Professional Indemnity Insurance:

    Provides financial protection against successful claims of professional negligence and/or errors in design or advice.
  • Employer's Liability Insurance:

    Mandatory cover for protecting employees from workplace accidents, injuries or illnesses.
  • Business Interruption Insurance:

    Provides financial support in case of disruptions that affect your income stream.
  • Tools and Equipment Cover:

    Safeguards your valuable tools and equipment against theft, damage, or loss.

Securing Competitive Quotes

Drawing on our extensive network of insurance providers, we negotiate competitive quotes that balance comprehensive cover with affordability.
We recognise the financial challenges inherent in managing a business and strive to offer cost-effective solutions without compromising protection.
We aim to present options that meet your needs and budgetary requirements, ensuring your financial security.
Conclusion: Prioritising Your Peace of Mind
Having the right insurance coverage is crucial in the dynamic and high-stakes electrical contracting field. Our services as a specialised insurance broker are designed to empower you with the knowledge and protection necessary to navigate challenges confidently.
We prioritise your peace of mind by customising insurance packages, securing competitive quotes, and providing ongoing support. You focus on delivering exceptional services, knowing that your business and reputation are safeguarded against unforeseen risks.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.
Optional Extentions
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker will always be happy to answer your questions and concerns. Alternatively, there is the FAQ directly below, which may provide answers.
Chalkboard with consulting written across the middle.
Protected
Once you're all covered, that peace of mind is great. But should you ever require our help further get in contact or request a callback.

Electricians Insurance FAQ:
Power Up Your Protection | Primo

  • What is electrician insurance in the UK?

    Electrician insurance in the UK is a specialised insurance policy designed to protect electrical contractors and their businesses from various risks and liabilities associated with their work.
  • Why is electricians' insurance important in the UK?

    Electrician insurance is essential in the UK because it provides financial protection against potential accidents, property damage, legal claims, and other unforeseen events that can occur during electrical work.
  • What types of insurance cover are typically included in electricians' insurance policies in the UK?

    Typical cover in electricians' insurance policies in the UK include public liability insurance, professional indemnity insurance, tools and equipment cover, employers' liability insurance, and business interruption insurance.
  • What is public liability insurance for electricians in the UK?

    Public liability insurance for electricians in the UK covers legal costs and compensation if a third party, such as a client or member of the public, suffers injury or property damage due to an accident caused by your work.
  • Why do electricians in the UK need professional indemnity insurance?

    Professional indemnity insurance for electricians in the UK protects against successful claims of professional negligence, errors, or omissions in your work or advice that lead to financial loss for your clients.
  • What do tools and equipment cover in electrician insurance?

    Tools and equipment covered by electricians insurance in the UK protect your valuable tools, equipment, and materials against theft, damage, or loss while working on-site or in transit.
  • Is employers' liability insurance mandatory for electricians in the UK?

    Employers' liability is a legal requirement for electricians in the UK who employ staff or apprentices. It covers the cost of compensation claims if one of your employees has an accident and becomes injured or ill due to work.
  • What is business interruption insurance, and why is it essential for electricians in the UK?

    Business interruption insurance for electricians in the UK provides financial protection against income loss and additional costs if your business operations are disrupted due to an event covered by your insurance, such as fire or flood.
  • How can electricians in the UK secure competitive quotes for insurance?

    Electricians in the UK can secure competitive insurance quotes by working with experienced insurance brokers who have access to multiple insurance providers. Brokers can negotiate terms and premiums on behalf of their clients.
  • Are there specific safety certifications or training requirements that can impact electricians' insurance in the UK?

    Yes, maintaining relevant safety certifications and completing ongoing training can positively impact electricians' insurance premiums in the UK. It demonstrates a responsible commitment to safety and risk management.
  • Does an electrician's insurance in the UK cover work performed outside the country?

    The coverage territory of electricians insurance in the UK is typically limited to work performed within the UK and sometimes extends to EU countries. Work outside these areas may require additional arrangements for coverage.
  • What are some standard exclusions in electricians' insurance policies in the UK?

    Standard exclusions in electricians' insurance policies in the UK may include intentional acts of damage, wear and tear, pollution-related claims, contractual disputes not covered by professional indemnity insurance, and acts of terrorism (usually requiring separate cover).
  • Can electricians in the UK adjust their insurance cover as their business grows or changes?

    Yes, electricians in the UK can adjust their insurance cover as their business evolves. They can add or remove cover, adjust cover limits, and update policy details to reflect changes in their operations.
  • How does claims handling work under electrician insurance in the UK?

    When an incident may lead to a claim, electricians in the UK should promptly notify their insurance provider or broker. Your insurer will then investigate the claim, assess the cover, and work towards a resolution, including compensation or legal support.
  • Are there specific risk management strategies electricians in the UK should implement alongside insurance coverage?

    Yes, electricians in the UK should implement risk management strategies, such as regular safety training for employees, proper documentation of work and safety protocols, thorough site assessments, and compliance with industry regulations.
  • Can self-employed electricians in the UK benefit from tailored insurance packages?

    Yes, self-employed electricians in the UK can benefit from tailored insurance packages that address their specific risks and needs. These packages can include essential cover like public liability and tools insurance, customised to their business size and activities.
  • What factors can influence the cost of electricians' insurance in the UK?

    Factors influencing the cost of electrician insurance in the UK may include the level of cover required, business size and revenue, claims history, type of electrical work performed, number of employees, and the chosen insurance provider. Regularly reviewing your insurance policies is highly recommended for electricians in the UK. This practice ensures that your cover remains up-to-date and aligned with your evolving business needs.
  • Is it recommended for electricians in the UK to review their insurance policies regularly?

    Yes, it is recommended that electricians in the UK review their insurance policies regularly, especially when their business operations change, regulatory requirements change, or the industry shifts significantly. This ensures their cover remains adequate and up-to-date.
  • Can electricians in the UK obtain insurance cover for specialised projects or contracts?

    Yes, electricians in the UK can obtain insurance cover tailored to specialised projects or contracts they undertake. This may include short-term project insurance, contract-specific liability cover, or cover for high-value equipment.
  • How can electricians in the UK stay informed about changes or updates in insurance regulations?

    Electricians in the UK can stay informed about insurance regulations by regularly engaging with reputable insurance brokers and industry associations and staying updated on relevant government or regulatory announcements regarding insurance requirements and standards.

Help with choosing the right cover options for your business.

Some of the cover options and extensions listed below may be included in your policy, while others may be purchased separately or added on.
Industrial units with colourful banded fronts

Buildings and Contents

What is Covered? Your buildings, fixtures and fittings: including gates, fences, car parks, as well as underground cables and pipes. It may also include cover for stock and cash on the premises and in some cases it can also provide for seasonal stock increases free of charge.

Business Interruption

If your business needs to close after a disaster like a flood or a fire, perhaps even after a forced entry business interruption insurance covers the shortfall in your business' income.
two colleagues discuss something on screen
Contractor removes items from van

Goods in Transit

Cover is available as an extension on a typical tradesman insurance policy. It protects you financially for the replacement cost of goods that are lost or damaged in transit from point A to point B
Covers the cost associated with obtaining legal advice and/or the costs involved when bringing or defending a court case. The policy conditions and the amounts covered vary from insurers so check with your broker.
Polished wooden judges gavel
Man with injured arm in bandages

Personal Accident & Assault

There are several different types of personal accident cover. Personal accident only, group accident, personal accident sickness and personal accident assault all with varying levels of cover. The cover may be included or obtainable as a stand-alone policy.

Tools and Equipment

Insuring the tools you use for your trade is vital. Electricians work tools are an indispensable part of running their businesses. You can in most cases insure your hand tools and power tools against damage, theft or loss under your general liability insurance. It is essential you choose the correct insurer and have a conversation with your broker.
A selection of various electrician work tools

Other Contractors and Trades Insurance For Your Consideration

Professional Advice
Tailored Cover for Bricklaying Contractors in the UK, Protecting Your Brickwork Projects with | Primo
Professional Advice
Comprehensive Cover for Building Projects and Contractors in the UK, Protecting Your Projects and Business Assets | Primo
Professional Advice
Protect Your Business with Comprehensive Cover | Top UK Insurers | Professional Brokerage Support | Primo
Professional Advice
Expertly arranged UK electricians' insurance by professional brokers—customised cover for your business needs. Protect your work with confidence! | Primo
Professional Advice
Cover for Groundwork and Civil Engineering Trades in the UK, Comprehensive Policies for All Groundwork Needs | Primo
Professional Advice
Public liability, product liability & tools & equipment cover for HVACR contractors. Get a quote | Primo
Professional Advice
Public liability, employers' liability & tools & equipment cover for professional landscapers & gardeners. | Primo
Professional Advice
Comprehensive Protection for Lift Installation, Maintenance, Repair, Modernisation & All Aspects of the Lift Industry | Primo
Two painters covering a wall in red paint
Professional Advice
Public & employers' liability, tools, equipment & materials cover for decorating professionals | Primo
plasterer covering a wall
Professional Advice
Public liability, employers' liability, contract works & tools & equipment cover for plastering professionals. | Primo