Electricians Insurance

Be a bright spark. Speak to the experts at Towergate about Electricians Liability Insurance.

  • Get professional indemnity cover and efficacy cover for electricians
  • Set your own limits of public, products and employers liability up to 10million
  • Add cover for up to five trades on one policy, including gas fitters and alarm installation

Get a quote online and compare quotes from our panel.

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0344 346 0409

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It’s a fact of life, but unfortunately accidents can occur in the workplace. With this in mind, it is vital you and your business are covered should the worst happen.

Liability insurance for electricians

Liability insurance is vital protection for you and your business because it covers you against a claim from your customers and your staff. You set your own limits, up to £10 million, and can adjust these at any time depending on the growth of your business and diversification over time.

Cover for your equipment

Your tools provide you the means to your livelihood. And should you prefer to insure these on your electricians policy we can provide flexible limits for all types of equipment including employee’s tools, specialist equipment and hired equipment too. Tools must be locked securely outside business hours, and a single item limit may apply.

Specialist types of cover

We can source policies that offer specialist cover for electricians such as professional indemnity for PAT testing and conditioning reports (EICRs) as well as efficacy cover – which covers on-going liability for the work you have done. We can also provide other hard-to-find tradesman insurance cover such as JCT, non-negligence insurance and ‘contractors all risks’ (CAR).

Get it sorted

Do you need documents quickly to tender for a public contract or to get you site? We can provide verification of insurance via email, often within the same day. Speed up the process even more by getting a quote and buying your electricians insurance online, or for a more detailed requirement review, call us today to discuss your needs.

Electricians Insurance Claims

If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Need to make a claim?

Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

0344 346 0409

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Electricians Insurance FAQs

Am I covered for Phase 3 work?

Yes. Your policy covers you for all Phase 3 work you may undertake.

Why does an electrician need public liability insurance?

Electricians can face the risk of legal action in respect of their liability for personal injury or property damage arising from their work, or as a consequence of their work. The potential awards as a result of a successful claim can be substantial but even the legal costs of defending the most spurious claim can cause severe financial hardship.

Are labour-only sub-contractors covered in the same way that direct PAYE staff are under the employer’s liability policy?

Yes, both types of employers are covered for the same risks although it is very important you declare how your workforce are employed as it will affect how your risks are calculated.

Why do I need electrician-specific insurance?

Some general policies may contain inadequacies that may leave your business uninsured in the event of a major loss. Therefore, protect your company with an industry-specific policy from Towergate.

Is the financial rating of an insurer an important factor?

As the system measures an insurer’s financial situation, allowing you to predict their ability to meet ongoing policy obligations, it is an important factor. Also, there are a number of main contractors that will not sub-contract works to any companies not insured with an insurer with a minimum of an A-financial rating (as determined by established ratings companies). If you have any concerns about whether this may affect your business or have any questions around the rating of an insurer speak with one of our advisors.

Where can I find more information about monthly Direct Debit?

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

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