Electricians insurance

Specialist insurance for electricians from £8 a month.

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As an electrician, you know that safety always comes first. Managing risks and avoiding hazards is a major part of your job. But no matter how skilled you are, there is always a chance that something will go wrong.

Working with electricity is inherently dangerous. And if the unexpected happens and you cause injury to yourself or someone else, or you damage a customer’s property, you could be left facing major costs. This means it’s essential that you have suitable financial protection in place.

At Markel Direct, we believe that we offer great value electricians’ insurance and will tailor your policy to fit your exact needs. This means you get the cover you want for your business at a price you can afford.

What is electricians’ insurance?

Electrician and electrical contractors’ insurance is there to protect your business’ finances in a wide range of scenarios. It can include different types of cover, from electrician public liability insurance and employers’ liability protection to professional indemnity insurance and cover for your tools. 

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Do I need electricians’ insurance?

Even if you’re extremely careful, when you’re dealing with electricity, there is always a chance that something will go wrong. And if it does, the fallout can be costly. From exposed sockets and live wires to cables that pose a tripping hazard, there are many dangers to be aware of. What if a mistake in your wiring work causes a fire at a customer’s house? Could you pay to repair the damage out of your own pocket? Or perhaps you’re working in a public building and a passer-by falls over your toolbox and injures themselves. If they decide to sue, you could be left facing significant legal fees and compensation costs.

If scenarios like these would put your finances under strain, you’ll need to take out public liability cover. You might also find that some customers want to see proof that you have this type of protection in place before they will hire you for a job. And if you employ anyone, even if they’re part-time or temporary workers, you’re required by law to have employers’ liability cover. If you don’t get this type of electrician liability insurance, you risk being fined up to £2,500 per day.

There is your equipment to think about too. As an electrician, you rely on your tools to get the job done. So if they are stolen, damaged or lost, you’ll need to replace or repair them - and quickly. Having tools insurance in place means you won’t have to fork out the money yourself.

There are various other types of cover you might benefit from having as well. This ranges from personal accident insurance to professional indemnity cover and cyber insurance.

Why choose Markel Direct for electricians’ insurance?

Having suitable insurance in place is a must for electricians, but why choose Markel Direct for your cover? Here are just some of the reasons to come to us. 

✔ Tailored policies

We know that there is no one-size-fits-all solution when it comes to electricians’ insurance. That’s why we offer tailored policies that give you exactly the cover you need without any unwanted extras.

✔ No hidden fees

You don’t have to worry about being hit with unexpected fees when you buy cover from us. Our pricing is fully transparent.

✔ Get a quote in seconds

Fill in our online form to get a quote in as little as 90 seconds. It’s as simple as that.

✔ Excellent customer reviews

You don’t have to take our word for the quality of our insurance policies. Check out our impressive ratings on Feefo.com.

 ✔ 24/7 legal advice helpline

We offer a round-the-clock legal advice helpline run by experienced solicitors. So, if you ever need information or guidance, you can rely on us.

How much does electricians’ insurance cost?

The cost of your policy will depend on factors including the size of your business, the types of insurance you want and the level of cover you need. 

Our policies start from £8 a month*, and if you wish to cancel your policy, you won’t face any cancellation fees. Simply get a quote today to find out more. 

* Price based on an electrician (residential) requiring £1m of public liability insurance cover.

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Cover starting from £8 a month

Build an electricians insurance policy to suit you

  • Public liability insurance

    Public liability insurance is designed to protect you from claims made by members of the public, including customers, who have experienced injury or damage to their property because of your business. We offer electricians’ public liability insurance with cover limits of between £1 million and £5 million.
     
    Example of a claim:
     
    A customer suffers an electric shock while using a light switch that you have installed incorrectly. They sue you for their pain and suffering.

  • Employers' liability insurance

    Employers’ liability insurance protects your business if an employee sues you over an injury or illness they suffer as a result of their work. Under the law, you’re required to have a minimum of £5 million of this type of financial protection in place. Our employers’ liability insurance for electricians is available with cover of up to £10 million.
     
    Example of a claim:

    One of your employees is electrocuted while working on an electrical system. They take legal action against you, claiming they were not provided with safe diagnostic tools.

  • Tools insurance

    Tools insurance for electricians is there to cover the cost of repairing or replacing tools that have been damaged, stolen or lost. We offer cover limits of between £1,000 and £5,000.
     
    Example of a claim:
     
    You park your van on the road near a customer’s house and start working on their property. When you return to your vehicle to retrieve some of your equipment, you discover your van has been broken into and some expensive tools have been taken. You face the cost of replacing these items.

  • Occupational personal accident insurance

    Occupational personal accident insurance supports your income if you can’t work because you’re injured as a result of your job. It can pay out in weekly instalments or a lump sum, depending on the nature of your injury.

  • Owned plant insurance

    If you own plant machinery that is damaged or stolen, owned plant insurance will cover the costs of repairing or replacing the equipment. Cover limits are available from £10,000 to £50,000.

  • Hired plant insurance

    Hired in plant insurance will cover you if plant machinery you have hired is damaged or stolen, while in your possession. Cover limits range from £10,000 to £50,000.

  • Contract works insurance

    Contract works insurance covers the work you do on a construction site. If your work is affected by a flood, fire, theft or malicious damage, contract works insurance can protect you financially.

  • Goods in transit insurance

    Goods in transit insurance covers goods against loss or damage while in transit. This can be either goods transported in your own vehicle, or on your behalf by a third-party carrier.

  • Professional indemnity insurance

    If you offer professional services to customers for a fee, such as advice or designs, you may want to take out professional indemnity insurance. This covers you if a client sues you over a mistake you make in these services. Some trade bodies may require you to have professional indemnity insurance in place as a condition of membership.

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Cover starting from £8 a month

Frequently asked questions

  • I need to arrange electricians’ insurance to start work – do you provide proof of cover?

    Yes. When you purchase electrician’s insurance from us, we will provide you with a dedicated ‘Confirmation of Liability Insurance’ document. This document details the cover you have with us and can be presented to clients as evidence that you are insured.

  • Do I need public liability insurance as an electrician?

    There is no legal obligation to buy public liability insurance. However, this type of cover is often seen as essential by electricians. If you cause injury or property damage to a member of the public, you could face huge costs if you lack this type of financial protection.

  • What level of cover do I need?

    Certain commercial clients and industry bodies may stipulate the level of cover you need to start a contract. It’s worth looking into this before you arrange insurance with us.
     
    If you do jobs for smaller businesses or individual homes, your clients might not specify how much cover you need. To calculate the level of cover you should have yourself, consider worst-case scenarios and work out what it would cost to resolve these issues. 
     
    We offer a range of cover limits, giving you the flexibility you need.

  • When should I get electricians’ insurance?

    There is no telling when disaster will strike, so it’s important to have your insurance in place from the outset when you start working as a self-employed electrician.

  • How do I make a claim?

    We pride ourselves on making our claims process as straightforward as possible. Check out our claims page to see for yourself.

  • How are Markel regulated?

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority. You can find out more by visiting the Financial Services Register.

Access free legal services for your trades business when you arrange cover with Markel, including:

24 hour legal helpline 24/7 access to a legal advice helpline manned by qualified solicitors

Legal hub access Access legal templates and resources with the Markel Law Hub

 Receive discounted IR35 contract reviews with your policy

 Expert management of public relations crises with The Counsel House

Cover starting from £8 a month