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.
Commercial and industrial work from £110.47 a year*
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.
Experts claim handlers to give you peace of mind.
You can choose to split your payments into 10 monthly instalments. Please read our dedicated page on Direct Debit.
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.
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).
Efficacy and Professional Indemnity extensions available.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
* 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
Electrician's 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:
The job of your insurer or broker is to have enough experience to understand both your business and the risks of your industry. They should be able to tailor or source you a policy which provides the best cover in the areas you need.
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 from Towergate.
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.
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.
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.
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.
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, 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.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
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