Electrical Contractors
Public Liability Insurance
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Insurance for Electrical
Contractors
Electrical contractors work on live circuits, consumer units and wiring in homes, offices and industrial sites. Electrical Contractors Insurance helps if something goes wrong, from damage to a customer’s property to injury linked to your work or theft of key testing gear and tools.
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Expert UK team
What is Electrical Contractors Insurance?
Electrical Contractors Insurance is a package of covers for electricians and electrical firms. Public liability usually sits at the centre, with options such as tools and equipment cover and employers liability. It is there to help with compensation claims, stolen kit and other financial losses after an insured event.
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Why Choose Business
Compare for your
Electrical Contractors Insurance?
Business Compare works with UK insurers who understand electrical contracting, from domestic call outs to commercial installs and maintenance contracts. Share your details once, compare quotes in one place, then set limits and extras to match how you work and whether you operate alone or manage a team.
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Online quote help for electrical contractors -
Access to multiple UK business insurers
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Options for sole traders, partnerships and limited companies
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UK based support if you want to talk through your cover
for Electrical Contractors
01
Contract Works Insurance
Helps protect installation work in progress and materials on site if they are damaged by an insured event before completion.
02
Professional Indemnity Insurance
Helps with legal costs and claims if a client says your design, specification or advice has caused them a financial loss.
03
Personal Accident Insurance
Can pay a benefit if you or a key electrician are injured in an accident and cannot work for a period of time.
04
Goods in Transit Insurance
Helps cover tools, testers and materials while they are being moved between suppliers, storage and job sites.
Insurance premium?
Type of electrical work
Small domestic call outs and testing only are usually rated differently to full rewires, commercial installs or industrial maintenance.
Sites and environments
Work in occupied homes, busy workplaces or industrial sites can be seen as higher risk than jobs in empty properties or low risk premises.
Tools, materials and security
The value of your tools, testers and stock, plus how they are stored, for example in a van overnight or in a locked unit, can move premiums up or down.
Staff, turnover and claims
The number of people you employ, your annual turnover and any past claims all feed into how much you pay for cover.
Electrical work often takes place in tight spaces, roof voids and live environments, with the risk of shocks, burns and damage to fixtures or appliances. A drilled cable, wiring fault or dropped fitting can quickly lead to a claim. Electrical Contractors Insurance can help with compensation if you damage a customer’s property or someone is injured, and with replacing stolen or damaged tools. If you have staff, employers liability is also key for meeting your legal duties and dealing with employee claims.
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Protect your electrical contracting business today by filling in our quick and easy online form. We’ll provide you with competitive quotes from trusted UK insurers, ensuring that your business is fully covered.
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