Electrical engineer insurance
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For 80% of settled claims
Electrical engineers insurance – why is it important?
Whether it's accidents or mistakes, electrical engineers face a number of unique risks – insurance can help protect you and your clients. The good news? Whether you use expensive equipment or employ staff, business insurance is there to protect you against unexpected costs.
- compare cover from expert UK brands and protect your business
- optional personal accident cover for your own injuries, or anyone on the policy
- trusted by over 900,000 small UK businesses for flexible, tailored cover
What does electrical engineers insurance cover?
Most businesses usually start with public liability insurance when building a policy. It protects your business against injury, illness, and property damage claims from members of the public. Beyond that, you can tailor your policy to cover the different risks your business faces.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
Professional indemnity
In case a client loses money because of your advice, services or designs.
Tool insurance
In case your tools are lost, stolen or damaged.
Stock insurance
In case something happens to your products and consumables.
Business legal insurance
In case you’re hit with legal expenses connected to your company.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Excess insurance - select options
In case you need to make a claim on your insurance policy.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance for electrical engineers?
Claims against your business for:
- any injury or illness caused by you at work, or because of your work
- property damage caused by your business
- injuries or accidental damage caused by one of your employees, if you have any
For example:
- you spill hot coffee on a client’s laptop, scolding their arm and damaging the laptop screen
- you accidentally scratch the flooring in the venue you’re working in
- your employee leaves a trailing wire, causing someone to trip and twist their ankle
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- injuries to staff (including casual labourers and contractors) that are caused as a result of your business
- illness suffered by an employee (including temps and casual workers) caused by 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:
- your office manager breaks their finger while trying to close a faulty window at your business premises
- your receptionist trips over a cable running across the floor of your office, breaking their ankle
- a temp worker scratches their arm on one of your tools, and the injury becomes infected
Professional indemnity
In case a client loses money because of your advice, services or designs.
What’s typically covered by electrical engineer professional indemnity insurance?
Claims against your business for:
- errors in the training you deliver for clients, which means they lose money
- bad advice that causes a financial loss, from a simple mistake to negligence
- other mistakes in your work that mean a client loses money, including mishandling sensitive information
For example :
- you don’t send a document to HMRC in time and your client gets a fine
- you use an image without the copyright holder’s permission and your client gets sued
- you accidentally email sensitive data to the wrong person, leading to fines for your client
Tool insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tool insurance for electrical engineers?
Claims against your business for:
- accidental damage to your electrical engineer tools and equipment
- theft of the tools you use for your business
- loss of your business tools
For example:
- your tools are stolen from your car or van
- you lose some expensive equipment on the way to a job
- a flood causes irreparable damage to your tools
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- the cost of replacing the stock you use to run your business
- stock that’s been destroyed, lost, stolen, or damaged
- stock includes food and drink products as well as branded materials and sellable items
For example :
- your stockroom gets vandalised – products you need to operate are stolen and damaged
- a fire caused by faulty electrics spreads to your stockroom and destroys sellable items
- a leaking pipe floods your business premises, destroying stock that you intend to sell
Business legal insurance
In case you’re hit with legal expenses connected to your company.
What’s typically covered by business legal insurance?
Claims against your business for:
- costs and expenses for contractual disputes arising from an agreement
- cases relating to civil action taken against you for compensation under data protection legislation
- employment disputes and compensation, for both employees and volunteers
For example:
- a client says that your work wasn’t delivered on time and that you didn’t meet your contractual obligations, and they’re refusing to pay
- your employee leaves their laptop unattended in a coffee shop, and a third party is able to lift a customer’s data
- you need to dismiss an employee following client complaints, and they threaten to file an unfair dismissal lawsuit
Read more about business legal 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?
Claims against your business for:
- accidental death or injury, suffered by anyone covered on your policy, that happens at work or elsewhere
- income lost by your business, as well as medical costs and hospitalisation benefit
For example:
- while on holiday with your family, you trip and fall on some rocks, spraining your wrist and preventing you from working the following week
- your secretary (who you’ve covered) suffers a leg injury while swimming at the weekend, and needs time off work for physiotherapy
- a junior staff member covered on the policy is in a minor car accident at the weekend, and needs to take some time off to recover
Read more about personal accident insurance
Excess insurance - select options
In case you need to make a claim on your insurance policy.
What's typically covered by excess insurance?
Claims made by you for:
SELECT 1 OPTION FROM THE BELOW :
Option 1
- the cost of the excess you’d have to pay when making a claim on a cover included in your [TRADE] insurance policy
Option 2
- when you make a claim on a cover included in your [TRADE] insurance policy, you won’t need to pay excess
SELECT THE SAME NUMBERED OPTION AS THE ABOVE TICK BOX. NOTE - THERE IS NO 'READ MORE' LINK HERE
Option 1
For example :
- strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
- a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
- a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance
Option 2
For example :
- after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
- a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
- a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does electrical engineers 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 £3.19 per month
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
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 cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | No excess | £750 |
Employers' liability | No excess | No excess |
Stock | £200 | £4,000 |
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.
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How do insurance claims work for electrical engineers?
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 team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Electrical engineer 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 insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer 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 installments.
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.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
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
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