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We offer electricians insurance with public, product and professional liability cover.
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We can offer electricians insurance policies both for domestic work only and to include commercial and industrial work.
Should you wish to insure your tools on your electricians policy we can provide flexible limits for all types of equipment including employees' tools, specialist equipment and hired equipment. Tools must be locked securely outside business hours, and a single item limit may apply.
Our standard cover includes public and products liability up to £2 million; professional indemnity cover and incidental efficacy up to £100,000***; commercial legal cover (for employment disputes, taxation proceedings and contractual disputes) up to £100,000; financial loss cover up to £50,000; and jury service cover up to £1,000.
We can increase public and products liability up to £10m and professional indemnity up to £5m. We also extend cover to include employers’ liability; personal accidents; tools left overnight and in transit; plant equipment; and contract works (protecting your building contracts against malicious damage while work is in progress).
* Domestic work only scheme/commercial and industrial work, including domestic scheme
Prices include a 10% discount off the base premium, £10 administration fee and IPT at 12%. The offer is for new customers only, based on £2 million public liability, one manual principle partner proprietor or director, and no claims. Covers subject to underwriter acceptance; exclude Northern Ireland. Price from as little as £84.24 a year applies to electrical domestic work only and is correct as of 1 January 2019. Price from £92.23 a year applies to commercial and industrial work, including domestic, and is correct as of 1 January 2019.
Exclusions to our standard policy include:
- Liability arising as a result of or in connection with any work undertaken offshore is excluded
- Professional indemnity section excludes cover for collateral warranty
- Liability for pollution or contamination occurring within USA or Canada
- Liability for damage to property caused as a result of a deliberate or malicious act by the insured, their employees or any sub-contractor
- Damage to contract works arising from or caused by wilful or neglectful act of the insured, their employee or any sub-contractor
- Damage to tools and business equipment caused by mechanical or electrical derangement
** 10% discount
The 10% discount is available to electricians or electrical contractors only, who purchase an electricians public liability policy with Towergate Insurance. The offer excludes Northern Ireland. You will need to submit your public liability renewal date to us by the end of 31 December 2019 to qualify for the offer.
*** Incidental efficacy cover
Incidental efficacy cover is subject to no more than 15% of the businesses turnover being directly attributed to the design, advice, installation, maintenance and repair of theft or fire protection devices. Higher limits with no restrictions on the percentage of the businesses turnover are available for an additional premium.
If and when it comes to the crunch and you need to make a claim, we'll send the details of your claim 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.
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.
Get tips and advice from our industry experts to ensure you get the best out of your electricians insurance.
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What is the difference between public liability and professional indemnity insurance? We define PL and PI insurance to help you decide if your business needs them.
Yes. Your policy covers you for all Phase 3 work you may undertake.
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. Electricians public liability insurance covers you against these risks.
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.
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.
Yes. Our incidental efficacy cover protects you against legal liability as a result of a product or service you provided, which failed to perform as and when intended, up to £100,000.
The cover is subject to no more than 15% of the businesses turnover being directly attributed to the design, advice, installation, maintenance and repair of theft or fire protection devices. Higher limits with no restrictions on the percentage of the businesses turnover are available for an additional premium.
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.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.