Insurance for electricians

Electricians’ insurance tailored to you

Electricians face a unique set of risks every day. You need insurance that protects you, your equipment, and your clients, and with Simply Business you can get just that. Choose from a range of key covers, including public liability insurance and tools insurance, to build a flexible policy with a single premium, a single renewal date, and a single set of documents.

What insurance do electricians need?

Public liability insurance is often an important cover for electricians and most other trades, in case someone is injured or their property damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Personal accident insurance is particularly important for electricians as it covers serious injury, paying out for the likes of medical costs and lost income. Working as an electrician comes with certain risks and this cover should be considered if you would struggle to make ends meet if left unable to work following an accident.

Other covers available to electricians include tool insurance, plant and machinery insurance and business equipment insurance.

Thinking of starting your own electricians business?

If you're thinking about going self-employed, be sure to read our simple guide on how to become a self-employed electrician in the UK.

Electrician insurance policy details

• Make sure you read your policy documents carefully in order to understand any exclusions
• If you take out equipment cover, be careful not to underestimate the replacement value of your equipment
• If you employ people, even in your own home, you are legally obliged to take out employers’ liability insurance. Failure to do so could result in heavy fines

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Is your van insured?

By law, all vans in the UK used for business purposes need a commercial van insurance policy.

Find out more