Electrician insurance

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Electrician installing wiring in a residental house

Why do you need electricians insurance?

Electricians’ insurance protects you against the costs of damage, injury or mistakes at work. You know the risks associated with electricity – so make sure you, your tools and your customers are covered.

  • Protects you from big claims like accidental injury or damage
  • Keeps you on track when the unexpected happens
  • You’re covered for any associated legal and medical costs

What does electrician insurance insurance cover?

You know the risk when you work with electricity and live wires. Make sure you’re covered against injury on site, accidental damage to equipment, and legal and medical costs. Pick and choose which type of insurance best fits your business.

How much does electrician 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 £4.74 per month

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Example electrician insurance quotes, real prices

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



Employers’ liability

No excess

No excess







Business and office equipment



How it works

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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.

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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Find answers to common insurance questions

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 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.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example claim

Having electricians’ insurance through Simply Business has saved electricians thousands of pounds when the unexpected happened.

Richard saved more than £4,600

Richard (not his real name) was fitting lights when he dropped his cutters in the bath. As a result, the bath was chipped. Luckily, Richard’s accidental damage insurance paid out.

Electricians’ 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 electricians’ insurance. You can also check out our business insurance FAQs.

Without this insurance, you could be liable for thousands of pounds in legal fees and compensation claims.

You need professional indemnity insurance if you give advice to customers. If that advice is incorrect, or your customer files allegations of mistakes or carelessness against your work, you could be out of pocket. You can even lose income from wasted time defending these claims.

Some trade bodies require you to have some level of professional indemnity insurance.

It’s important to have public liability insurance. Working with electricity means serious consequences should anything go wrong. And if anything did go wrong, the financial implications can be hefty.

Public liability insurance can protect you against claims arising from injury or loss suffered by a member of the public as a result of your work.

If you have people working for you, you’re required by law to have employers’ liability insurance. Without it, you could be fined up to £2,500 a day for each employee.

While you may not be required by law to have other types of insurance, it’s important to protect your business. You should also protect your tools, your employees, your customers, and members of the public should anything happen at work.

Three types of insurance you should consider as a self-employed electrician are:

If you’re working under the main contractor’s supervision, you’re unlikely to need your own public liability insurance policy. Their insurance should cover you – but please remember to check this with them.

But, if you’re working independently, you’ll need your own public liability insurance. Either way, it’s best to check with the main contractor.

The most common types of insurance for a contractor are public liability and professional indemnity.

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

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