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Electrical contractors insurance

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Why do you need electrical contractors insurance?

Electrical contractors are highly skilled – we take it for granted that you’re experienced in all sorts of projects. But what happens when something goes wrong, or you’ve bought a new piece of kit and need cover bundled into your policy? Electrical contractors’ insurance is wired to support your business, letting you focus on the job, not the what-ifs.

  • electrical company insurance with a UK-based 24/7 claims team
  • claims paid in 24 hours for 80% of settled claims
  • public liability insurance electrical contractor firms rely on, £1 million to £5 million
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Insurance for electrical contractors – what’s covered?

We’ll start with electricians’ public liability insurance, which can cover you against third party injuries and property damage. From there, you can add cover for your essential equipment and tools, as well as your own personal accidents, at work or off-duty. There’s also employers’ liability insurance – a legal requirement for most employers.

Public liability insurance for electrical contractors

In case you or your employee injure someone or damage their property.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your work
  • injuries caused by your business activities
  • accidental damage or injury caused by your employees, if you have any

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:

  • while working on a new build development site you forget to make the customer aware their sockets are unusable, and they get a small electric shock
  • you accidentally tread mud through a customer’s brand new carpet, which need to be replaced or deep cleaned

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an employee, including a contractor or casual labourer, suing you after injuring themselves because of working for your electrical business, or
  • making a claim for an injury they’ve had while working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • one of your contractors gets an electric shock while on site, burning their hands – they’ve been signed off work for a week
  • you hire a new apprentice who, while working on a small side project, falls from the ladder you’ve set up, breaking their wrist

Tools insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tools insurance for electrical contractors?

  • your tools are stolen from your locked van, while it’s parked in your drive overnight
  • a fire in your site static unit causes damage to the tool kits you’ve just upgraded, which need replacing

For example:

  • larger plant items you use to carry out your electrician work – you’ll need to add our specific plant cover for these

Read more about tools insurance

Stock insurance

In case materials you're responsible for, like bricks, are lost, stolen, or damaged.

What’s typically covered by stock insurance for electrical contractors?

  • loss, damage or theft of your work materials, or items you’re planning to sell

For example:

  • you keep spare stock items in your van for bigger jobs – these get damaged by a leak in the roof and need to be replaced
  • the materials you’ve ordered for a new commercial contract are stolen from your locked static unit

Read more about stock insurance

Business and office equipment insurance

In case things like laptops or office filing cabinets are lost, stolen, or damaged.

What’s typically covered by business and office equipment insurance?

  • theft, flood, fire or accidental damage to the equipment you use to run your electrical business
  • operational equipment like your laptop, rather than the trade tools you take out and about

For example:

  • your child spills juice on your work laptop over the weekend – it stops working properly and you can’t access your client information
  • a small fire on site damages your phone and laptop, which will need replacing

Read more about business and office equipment insurance

Hired-in plant insurance

In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.

What’s typically covered by hired-in plant insurance?

  • loss, damage or theft of things like test sets which you’ve hired in

For example:

  • an employee uses the wrong key for a rented plant item, damaging it beyond repair
  • your hired-in plant is stolen from the construction site, and the hire charges still apply while you wait for a replacement

What you’ll need additional cover for

  • tools and plant machinery which you own yourself – you’ll need to add our specific own plant insurance or tools cover for this

Read more about hired-in plant insurance

Own plant insurance

In case plant machinery, like excavators, you own is lost, stolen, or damaged.

What’s typically covered by own plant insurance?

  • loss, damage or theft of things like your own high voltage test set

For example:

  • your own plant is locked away on site when you leave for the day, and stolen during a break-in
  • the test set you’re using gets damaged by another contractor while being moved between site locations

What you’ll need additional cover for

  • plant machinery you’ve rented – you’ll need to add our specific hired-in plant cover for this

Read more about own plant insurance

Contract works insurance

In case your building work in progress is damaged by something like a fire, flood or vandalism.

What’s typically covered by contract works insurance for electrical contractors?

  • repair costs for the work you have in progress if it’s damaged or destroyed
  • labour, materials and tools to get the job back to the stage it was at before it was damaged or destroyed
  • damage caused by things like fire, flood, storm, vandalism or theft

For example:

  • you’re rewiring a warehouse and a bad storm causes the roof to cave in, damaging your work and materials and causing a month’s delay
  • vandals break into your work site and cause fire damage to your ongoing works, setting the completion date back by three months

Read more about contract works insurance

Legal expenses insurance

In case you have to pay legal costs connected with your electrical business.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your business
  • property damage, nuisance or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes and investigations you need help with
  • includes a tax advice helpline, a 24/7 confidential legal helpline and crisis support to help you protect your reputation, as a trusted contractor

For example:

  • you’re investigated by HMRC for tax discrepancies and need to pay court fees
  • a casual labourer sues you for unfair dismissal, and you need to pay for legal representation

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

  • accidental injury or death at work or elsewhere, for anyone covered on the policy
  • lost income, medical costs and hospitalisation benefit

For example:

  • you lose a finger while working on site
  • the apprentice you’ve hired breaks their leg on a night out

Read more about personal accident insurance

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

How much does professional electrical insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £5.52 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 Jan 2021 - 31st August 2021). Most customers pay more than this but some pay less.

Example electrical contractor insurance quotes, real prices

£9.40 /month

£73.98 /year

A self-employed electrical contractor working in the local area

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Leeds

Public liability

£1,000,000


Employers liability

Not included


Tools

Not included

£90.75 /month

£806.68 /year

A small electrical contractoring firm who work across the UK and uses temporary workers

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in Kingston upon Hull

Public liability

£2,000,000


Employers liability

£10,000,000


Tools

£6,000

How we work out example quotes These examples are real quotes from our online system (created 09/06/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Tools£60£500
Stock£100£500
Business and office equipment£50£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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We handle claims, so you can get on with business

How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Is public liability enough for third party property damage?

In some situations you may need more than public liability to cover certain kinds of property damage. Learn about Builders insurance and Alarm company insurance.

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does electrical contractor insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider electrical engineer insurance or electrician insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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FAQs

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How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Electrical contractors insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about electrical contractors insurance. You can also check out our business insurance FAQs.

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

  • Each electrical contractors’ insurance company looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for electrical contractors

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13 Jul 2018 • 4-minute read

How to become a self-employed electrician in the UK

Electrical contractors insurance

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