Electrical vehicle charger installation insurance

You can extend your electrical contractor business insurance to include a range of optional extras such as employers liability and tools cover to deliver personalised insurance protection to suit your circumstances. We can also arrange other essential insurance covers, from personal accident and income protection to property and vehicle insurance.

Here at NICEIC and ELECSA Insurance Services, we're part of Marsh Commercial, an award-winning insurance and risk management expert. Being part of a global leader with a 150-year heritage means you can be confident we have the experience and expertise to help you arrange the electrical insurance you need – at the right price. Don’t forget, if you become an NICEIC and ELECSA registered contractor, you'll benefit from a 10% discount on the cost of your electrical insurance.

Public safety and the positive reputation of contractors and tradespeople are an important part of NICEIC and ELECSA registration. If you are a registered contractor, you need a minimum of £2 million cover to meet registration obligations. This amount is included in our electrical contractors insurance cover with Covéa as standard. However, we recommend you check any contracts you undertake and seek specialist insurance advice if more cover is needed. There's no requirement to have public liability insurance in place from a legal perspective, but it's certainly an essential insurance to consider as a responsible contractor. Also, you could be left out of pocket if a claim is made against you and you don't have adequate cover.

Public liability insurance is designed to protect your business if a client or member of the public claims they have been injured or their property damaged because of your business activities. It covers the cost of legal defence, compensation, damages, and any legal expenses incurred by third parties in making a successful legal claim against you. For example, if wiring you installed later caused a fire that damaged a building, and it was then deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

The level of protection you take out depends on the type of risks you face. It's an individual decision based on the nature of each business – though it's worth finding out what level of cover potential clients expect you to have. There may be a minimum requirement of cover required depending on the nature of the job or your electrical contractor registration – for example, if it's a commercial contract for a council, they may require a higher level of cover than a domestic job. If you are an NICEIC and ELECSA registered contractor, you need a minimum of £2 million worth of public liability insurance is required in place to meet the obligations; therefore, we offer public liability cover ranging from £2 million up to £10 million, depending on the trade and insurer.

Public liability insurance applies to claims made against you by clients or members of the public, alleging that your work has caused them injury or damaged their property. It covers the cost of legal defence, compensation, damages, and any legal expenses incurred by third parties in making a successful legal claim against you.

How much you pay for public liability insurance cover depends on the nature of your contracting business – its size, claims history, the type of work you undertake and the level of risk that comes with it. That means there is no single average cost of public liability insurance. However, most contractors insurance from NICEIC and ELECSA Insurance Services includes public liability cover as standard, with limits of £2 million and £5 million, or £10 million for selected trades.