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Electricians Insurance

Join over 40,000 electricians and other tradespeople who protect their business against unforeseen risks and costs with us

4.8/5 rating - read our reviews
24 hour tools cover available
Electrical Wiring Certification cover up to £250K available

What cover can I get?

Cove for upto £5mPublic Liability cover of £1M, £2M or £5M

£15,000 Tools cover availableUp to £15,000 Tools cover is available (subject to product selected)

Personal Accident and Jury Service extensionsPersonal Accident and Jury Service cover extensions available (subject to product selected)

Optional extras availableOptional extras such as Employers’ Liability Insurance, Stock, Contract Works, Owned Plant can be added to the policy

Who do we cover?

We cover all types of businessesWe cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships

Electricians typesWe offer cover for electricians for domestic and commercial property types – see work types for details

from individuals to medium sized companies specialising in interior and electrical installationIndividuals, small to medium sized businesses specialising in electrical installation and maintenance

Cover up to £1.5mBusinesses with turnover of up to £1.5M



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Why do I need electricians’ liability insurance?

Many working tradespeople can benefit from Public Liability insurance, but for electricians Liability insurance is particularly important. Due to the potentially hazardous nature of the work carried out, the risk of injury or loss to a member of the public a mistake can carry severe consequences. Public Liability insurance for electricians may protect your business in the unfortunate event of a claim for compensation against you.

If you employ others to work for you, then you can combine your Public Liability insurance with Employers’ Liability insurance.

Protect your business with public liability insurance for electricians

Our Electricians’ Liability insurance limits can be modified to suit your business. Professional Indemnity insurance and cover for financial losses of your customers are included as standard, while Personal Accident insurance and other optional additions can all be included in your insurance package - depending on the product you choose.

We can also provide cover to protect you in the event of problems arising from certification and inspection of electrical wiring, up to £50k is included in the Professional Indemnity part of the policy. However, if your business requires extended cover we have two levels of Electrical Wiring Certification limits to choose from - £100k or £250k.

Great value electrical contractors insurance you can count on

Our electricians’ insurance quotes are made more attractive as the Classic and Plus cover levels include £1,000 all risks Tools insurance – 24 hours a day, wherever you are in the UK. This cover can also be extended to £15,000.

Electrical work types

Domestic only – 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 manoeuvring areas or aprons or those parts of airports or aerodromes to which aircraft have access.

Cover for bigger business

We provide Electricians’ Liability insurance online for businesses with an annual turnover up to £1.5million and up to 15 manual employees. If your business is bigger than this, please ring our UK based team on 08000 280 380 or find other ways to contact us via our Contact Us page.

Why do I need Public Liability insurance?

You and your company may be financially liable for the result of an accident caused by you, your company or a contractor either at your premises or elsewhere. Public Liability claims can be very expensive, which could have a major impact on you or your business. As well as giving you peace of mind, many companies and trade associations require evidence of Public Liability insurance.

FAQs

Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

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Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2016

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards 2016.

On The Tools is the largest online construction community in the UK, and we couldn’t be prouder to support and provide cover for their community of tradespeople.