Electricians Insurance

Electricians insurance with public, product & professional liability cover. Whatever you specialise in, we can help with cover for Domestic, Commercial & Industrial work from £110.47.Domestic work only scheme/commercial & industrial work, including domestic scheme. Prices include £25 administration fee and IPT at 12%. The offer is for new customers only, based on £2 million public liability, one manual principal partner proprietor or director, & no claims. Covers subject to underwriter acceptance; exclude Northern Ireland.

0344 892 1664

Mon-Thu 8.30am-5.30pm, Fri 8.30am-5pm

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About Electricians Insurance


Commercial and industrial electrical work cover

Commercial and industrial work from £110.47 a year*

* Domestic work only scheme/commercial and industrial work, including domestic scheme

Prices include £25 administration fee and IPT at 12%. The offer is for new customers only, based on £2 million public liability, one manual principal partner proprietor or director, and no claims. Covers subject to underwriter acceptance; exclude Northern Ireland. Price from as little as £110.47 a year applies to electrical commercial and industrial work including domestic and is correct as of 8 April 2021.


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


Public liability for electricians

Public liability limits with popular limits of £1million, £2million, £5million and £10million as well as options for higher limits on request or for specific contracts.


Dedicated electricians claims service

Experts claim handlers to give you peace of mind

Direct Debit

Pay for your electrician insurance by Direct Debit

You can choose to split your payments into 10 monthly instalments. Please read our dedicated page on Direct Debit.

Features of Electricians Insurance

Standard cover

Cover for domestic, commercial and industrial electrical work

We can offer electricians insurance policies to suit the type of work you specialise in with policies for domestic work only or alternatively we offer policies that also include commercial and industrial work.

Electricians tools insurance

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.

Standard liability insurance for electricians

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.

Specialist types of cover

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).

Additional cover

Our policies can be tailored to meet the requirements of professional accreditation bodies - NICEIC and ELECSA

Efficacy and Professional Indemnity extensions available.

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. Some customers require proof of cover before signing a contract or allowing site access. 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.


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.


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


Yes, we can cover labour only sub-contractors, as well as PAYE staff for the same risks under your EL(Employers’ Liability) cover. it is very important to declare how your workforce are employed as this will affect how your risks are calculated.


Do you provide incidental efficacy cover?


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 business turnover being directly attributed to the design, advice, installation, maintenance and repair of theft or fire protection devices. Higher limits without restrictions on the percentage of turnover are available for an additional premium.


Is the financial rating of an insurer an important factor?


It is an important factor and we only use insurers with A-ratings. It is a globally recognised measure of an insurer's financial situation and provides confidence on their ability to meet on-going policy obligations.

Also, there are a number of main contractors that will not subcontract works to any companies not insured with a minimum of an A- financial rating (as determined by companies such as Standard & Poor’s, A M Best, Moody’s or Fitch Ratings). By not having a policy backed by a financially secure insurer could potentially place restrictions on your business and the main contractors or contracts you take on.


Can I pay for my electricians insurance in instalments?


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.


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.

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.


Find your insurance documents

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


Call the claims team

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim