Electrical Contractors Insurance

Markel Direct provide and administer this cover. Markel Direct is a trading name of Markel International Insurance Company Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register no. 202570).

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

Some general public liability policies may not cover you in the event of a specific incident connected to your work as an electrical contractor. It is therefore wise to arrange specialist and tailored cover for the activities you are undertaking and very important to check the requirements of any national electrical contracting accreditation body that you may be a member of.

Contractors public liability insurance covers you for consequences of defective workmanship (DW), for example bodily injury caused to third parties or damage to their property arising from defective work carried out by your business where you are found to be at fault.

Important note: public liability insurance is not a guarantee of your work. It covers the consequences of poor workmanship, not the costs of rectifying the defective work.

A labour-only sub-contractor is a temporary employee under your direct supervision and control, to whom you provide the work, tools, materials and training necessary for the job. They are covered in the same way as your full-time employees.

Some policies are based on the maximum number of employees and labour sub-contractors you employ at any one time during the year. As a key eligibility and rating factor, it is important that the correct numbers are declared when applying for a policy. 

Yes, you can select an all-risks cover as part of our electrical contractors insurance policy, covering loss or damage to the contract works, own plant and tools and also to hired-in plant, arising from a variety of unforeseen causes, except those that are specifically excluded such as electrical or mechanical breakdown or gradual causes such as deterioration, corrosion, fading, etc.

To help you spread the cost of your premiums, you can choose to spread payment over ten months with the Markel quick and easy Direct Debit scheme.

For details of the terms, exclusions and conditions applicable, please refer to the full policy documentation provided by Markel Direct which will be available during the quotation process.

If you bought your policy before 5^th June 2024, you can view all your documentation in your online portal here. If you purchased your policy on or after the 5^th June 2024, you can access your documents here.