Electrician's Public Liability insurance
Your cover options
Essentials
Our electrician's Essentials package includes Public Liability insurance and cover for Financial Loss.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Financial Loss £100,000
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
Plus
Our most popular option, the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
- Personal Accident cover up to £600 a week per person
Extras
Looking for extra insurances for your building work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
Why do you need electricians' insurance cover?
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.
What type of electrician do you insure?
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.
Need further information?
Public liability insurance FAQs
Got a specific question on public liability insurance? Find out everything you need to know, including what it's designed for, the levels of cover, plus much more.
Professional indemnity insurance FAQs
Need to know more about our professional indemnity insurance? Find out what it is, who it's for and why it's important with our informed FAQs.
Employers' liability insurance FAQs
Are you a small business who employs a number of staff? Find out everything you need to know about employer's liability insurance.
Optional Extensions FAQs
Extensions that are available as part of our Tradesman's Liability product, what they’re designed to cover and when they can be added.
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