Public liability cover is probably the most significant type of insurance required for electrician’s. Electrical work, whether on a residential or commercial property, exposes people to a unique set of risks.
Public liability insurance for electricians will cover you or your business against things you are responsible for and also external events which are out of your control. Such as accidents that damage a clients property or cause harm to a person. Claims from incidents such as these can cost a small fortune and if you do not have the correct cover, could have a detrimental effect on your business.
Whether you are a self employed electrician or the owner of a business, our insurance experts have the experience and knowledge to provide you with a tailored insurance quote that will cover all of your needs and potential liabilities.
If you are a self employed electrician you may also want to consider other insurance types such as, income protection insurance and critical illness insurance as well as tool insurance.
What Does Electricians Liability Insurance Cover?
- Public Liability
Public liability insurance is often recommended to electricians due to the amount of risks involved as this increases the chance of a claim. It will cover you for any claims against damage to property, loss or injury to third parties and you are proved to be at fault this will cover the cost of compensation.
- Employers Liability
Using sharp tools and working with electricity it is likely that your employees are exposed to a number of risks on a daily basis. Unlike public liability, employers liability is a legal requirement in the UK. This will cover claims from employees in case of any accidents that your employees may have onsite that cause bodily injury or damages.
- Indemnity to Principal
When working as a contractor you will be required to provide an indemnity to a principal. This will be included within the liability cover and is required for most contracting companies. If you are a contractor and have any contractual requirements relating to insurance which you do not fully understand please get in touch with our insurance experts.
Get in touch with Central Insurance Brokers today for your tailored quote via the form on this page or alternative call us on 01253 764924
Electricians' Liability Insurance FAQs
- Do Electricians Need Public Liability Insurance?
It is not a legal requirement in the United Kingdom to have public liability insurance. However it is highly recommended, and with the amount of potential risks involved with construction sites it is best to be covered for the worse case scenarios.
- Do Electrical Service Companies Need Employers Liability Insurance
If you have one or more employees, employers liability insurance is a legal requirement in the UK. Not having employers liability insurance could be a costly mistake too, for each day you are not correctly insured you can incur a fine of up to £2,500.
- What Other Types of Insurance Might I Need as an Electrician?
Liability insurance is not the only insurance need for builders in the UK, depending on your business or if you are self employed you may also want to consider:
- Critical illness cover
- Business equipment insurance
- Tool insurance
Why Use Central Insurance
Benefits of using Central Insurance Blackpool:
- Long-established broker since the 1980s
- Instant online quotation with access to dozens of other insurers offline
- We search the market every year to ensure you're always getting the best deal
- Claims team with over 26 years of experience, dedicated to helping you