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Electricians Insurance

Liability Insurance for Electrical Contractors

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.

Arranged by Primo

Your Insurance Requirements Met

As an electrician you often work in a variety of environments and face your own unique set of risks so, you need a broker who understands what you need to protect yourself, your clients and your livelihood should an accident or misadventure occur.

As brokers it is our responsibility to ensure you have the right cover in place, find you the best match insurer who can offer you the cover you need, negotiate a price which is competitive and to assist you in correctly insuring your business.

Most electricians will need at the very minimum one or both of the below insurances in place.

  • Public Liability

    Simply covers your business against financial loss whereby you or your employees are found responsible for damages or injuries to a third party.

  • Employers Liability

    Covers your business for financial loss should any of your employees be injured or their property damaged while carrying out their work while in your employ.

Optional Extentions

Click a listed insurance option for more information such as why you may or may not need this extra cover.

Let's get you covered as quickly and simply as possible

Quote Form
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Your Broker

Always speak to a real person. You will have an assigned broker.
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Straightforward

Our brokers ensure obtaining your insurance is simple and straightforward
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Protected

Correctly covering your business gives you great peace of mind.

Frequently Asked Questions

  • Do I need public liability insurance?

    Whilst not a legal requirement we highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.

  • Is business insurance a legal requirement?

    Most business insurance is not a legal requirement, however, we do highly recommend you obtain this cover to protect you against the costs and damages claims arising from a negligent act causing injury or damage to a third party or resulting fire, weather related incidents or a break in. It gives you that peace of mind to know that in the event of a claim you have your insurer defending and protecting you.

    The only insurance that your business is legally obliged to obtain is employers liability and vehicle insurance.

  • Can I pay in monthly instalments?

    You can pay monthly subject to your status and the size of the premium the credit charge and terms will vary.

  • What if I need to change my level of cover?

    As an existing client you can call or email us with any changes during business hours and get advice on the changes you wish to make.

  • If I need to make a claim who should I contact?

    First and foremost always contact your insurer, should you need assistance or advice following that call speak to your broker who will be happy to assist you where they can.
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Business Vehicles

Comprehensive, third party, fire & theft or third party only cover arranged for your business' vehicles or commercial fleet.
Business Fleet Insurance
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Commercial Property

Do you need commercial property insurance in addition to liability cover? We can also arrange as a stand-alone policy.
Commercial Property Insurance

Let's get you covered as quickly and simply as possible

01702 225400
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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.
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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.
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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

Legal Expenses

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.
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Personal Accident and 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. Speak to your broker to see which policy cover options are open to you. 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. In the main, contractors consider their work tools 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, as not all insurers will allow tools to be added to their product.
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Need help?

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