Electricians 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).

Electricians insurance is a package of liability and business covers which provide the specific cover electricians and related tradesmen need.

It can cover you for most types of electricians' work including:

• Large public contracts and private jobs
• Laying new electrics or repairing old ones
• Surveying and quoting
• And even if you diversify in your business and do other work like plumbing or repairing you can be covered for these too.

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

Public liability protects the public from an accident or injury as a result of your business. 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. In cases like this the insurance will pay compensation if a valid claim were to be brought against you. 

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.

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.

Tools cover can be included if you need it. Your premium is based on the amount your tools cost, so you won’t pay extra for cover you don’t need. If you use hired in equipment you may still be liable to insure these and this can be included in your policy too. It’s a blanket sum, and is called ‘hired plant’ cover.

Contract works cover is to insure the value of your building contract. This means that if an insured event such as fire or a storm damages a project or holds it up you can claim the costs on your policy.

Professional indemnity covers you for giving out advice as a professional service. If your advice turned out to be negligent or caused a loss to the receiver, they may want to raise a claim against you. Many of the other features are optional on a policy of this kind so you won’t have to pay for extras you don’t need.

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.

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.

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.