Electrical Contractors Insurance

We offer an electrical contractors’ insurance package designed for domestic, commercial and industrial electrical work. Policies are flexible and tailored to suit your business, They can include contractors public liability (PL). employers liability (EL), tools and equipment and professional indemnity (PII) if you provide inspection and testing services.

0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5pm

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About Electrical Contractors Insurance

Liability

PL and PII cover

Ideal cover for accredited electricians. Public liability and professional indemnity insurance for electrical contractors

Claim

Efficacy cover available for electrical workers

Our electrical contractors insurance can include efficacy cover (i.e. claims arising from systems failure to perform intended function, resulting in third party property damage or injury claims)

Group

Expert claims service

Dedicated electrical contractors’ claims handlers to give you peace of mind

Direct Debit

Pay for electrical contractors’ insurance by Direct Debit

You can choose to manage your payment in 10 monthly instalments, Please read our dedicated page on Direct Debit

Features of Electrical Contractors Insurance

Standard cover

Electrical contractors’ liability cover

With electrical contractors’ liability insurance, we can offer public liability cover from £2 million to £10 million. Cover includes legal defence costs for allegations of third-party injury or property damage arising from your work. If you are at fault then awards will be paid up to your chosen cover limits: professional indemnity insurance from £100,000 to £5 million; financial loss cover up to £50,000; commercial legal protection (for employment disputes, taxation proceedings and contractual disputes) up to £100,000. (limits vary between the policies available)

Contract works insurance for electrical contractors

We can provide contract works cover as part of our electrical contractor insurance. This will cover loss or damage to the works in progress caused from a range of perils including fire, flood, theft, malicious and accidental damage. Please note there are exclusions, such as electrical and mechanical or damage due to gradual causes – corrosion, fading, etc.

Incidental efficacy cover for electrical contractors

Our incidental efficacy cover protects you if a product or service you provided fails to perform as it should. Cover up to £100,000 is available, subject to a maximum 15% of the business’ 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 business’ turnover are available for an additional premium for NSI or SSAIB-approved installers.

Electrical contractors tools cover

Should you wish to insure tools on your electrical contractors’ policy we can provide flexible limits for all types of equipment including hand and power tools, employees' tools, specialist equipment and hired in equipment. Cover restrictions apply to Tools left in unattended in vehicles and overnight. Tools must be locked securely when not in use and a single item limit will apply. (varies according to policy selected)

Electrical Contractors Insurance FAQs

Question

Am I covered for undertaking Phase 3 work as an electrical contractor?

Answer

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

Question

Why do I need specialist electrical contractor insurance?

Answer

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: 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.

Question

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

Answer

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. Please ask us if you are unsure or have any queries.

We can provide cover on a per capita basis, and for the larger firms annually adjustable cover based on wages and turnover estimates.

Question

Do you offer contractors all-risks insurance for electrical contractors?

Answer

Yes, we can offer 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. We will provide you with full information as to what is and isn’t covered so you can make an informed decision whether to arrange a policy.

Question

Is the financial rating of an insurer an important factor?

Answer

Financial credit ratings are a globally recognised measure of an insurer’s financial situation providing confidence on their ability to meet on-going policy obligations. Hence it is an important factor when selecting an Insurer to provide the financial security behind the insurance policies we offer.

We use insurers with A-ratings as determined by recognised credit rating agencies, predominantly provided by three main independent rating agencies, namely; Standard & Poor's (S&P), Moody's Investor Services (Moody's), and Fitch IBCA (Fitch), although there are others.

As well as being an important factor when selecting your own insurance, many main contractors (and building Contracts) may contain minimum financial rating requirements for the insurers of preferred contractors and suppliers.  Often these need to be met prior to appointment and evidence of renewal provided annually thereafter.

This may therefore be an important consideration when arranging your cover and you should check your Contract requirements to see if this impacts you.

Question

Can I pay for my electrical contractors’ insurance in instalments?

Answer

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.

Question

Where can I find more information about monthly Direct Debit?

Answer

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

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1384 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim