Electrical Contractors Insurance

Get Tailored Cover for Domestic, Commercial, and Industrial Electrical Work
– the Right Protection, at the Right Price

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Electrician Insurance and Electrical Contractors Insurance to Protect Your Livelihood

When working as an electrician or electrical contractor, having the necessary skills and experience to do the job is not enough. You need to have the right tools in your toolbox – including the appropriate insurance.

It’s a fact of life that, despite our best efforts, sometimes things can go wrong. And it’s in those moments that having the right electrician insurance in place is so important – protecting against potential liability is about protecting your livelihood should the worst happen.

That’s why we at NICEIC and ELECSA Insurance Services work hard to provide our customers with the right level of electrical contractors insurance cover they require, at a competitive price.

In fact, NICEIC and ELECSA registered electrical contractors receive a 10% discount on the cost of their contractors' insurance.

Our Electrical Contractors Insurance Cover

You can buy online and receive your policy documents in minutes. Alternatively, you can call us and we’ll complete a quotation over the phone.

We Offer as Standard*

  • Public liability cover – with limits of £2 million and £5 million, or £10 million for selected trades.

  • Employers liability cover up to £10 million.

     

  • Professional indemnity cover up to £100,000.

  • Corporate manslaughter cover up to £1 million.

     

  • Efficacy up to £100,000.

  • Up to five years no claims bonus.

Optional Extras*

  • Cover for tools – from £1,500 to £5,000 per person.

  • Goods in transit.

  • Contract works – with £100,000, £250,000, and £500,000 limits.

  • Own plant up to £50,000.

  • Hired plant up to £50,000.

  • Personal accident.

  • Legal expenses.

  • Property all risks.

  • Increased efficacy cover up to £1 million.

The Power Behind Your Business

NICEIC and ELECA Insurance Services has the power to help protect your business and provides you with peace of mind, so you can focus on looking after your customers.

By working with specialist insurer, Covéa, we’ve developed an electrical contractors' insurance solution that’s comprehensive, flexible and affordable. The essential liability cover features professional indemnity and public liability for electricians included as standard. In addition, your electrical contractors' insurance can be extended to include a range of optional extras such as employers' liability and tools cover, to deliver personalised insurance protection to suit your individual circumstances.

Electrician insurance cover is available for electrical contractors working on most domestic, commercial and industrial premises anywhere in Great Britain, the Isle of Man, the Channel Islands, and Northern Ireland – and temporary work anywhere in the EU is covered as standard too. 

Get a quote 01133960346

Income Protection

Why Choose Electrical Contractors Insurance Cover from NICEIC and ELECSA Insurance Services?

NICEIC and ELECSA Insurance Services is part of Marsh Commercial, an award-winning expert in insurance and risk management. We currently provide more than 35,000 business insurance policies for over 21,000 customers across the UK, so it’s safe to say we have the experience and expertise to help our business insurance customers obtain the cover they’re after, at the right price.

We’re part of a global leader in insurance-broking and risk management. We draw on the size and scale of our organisation to negotiate with specialist and leading insurers the best possible cover and price we can for our customers.

Whether you choose to buy your electrical contractors' insurance online yourself, or if you’d prefer us to guide you through the options available and arrange the cover over the telephone – we’re on hand to help should you need us.

Our support extends from the advice and expertise we provide at the start of your insurance, through to helping you make changes to your cover mid-term or at renewal should your circumstances change. In addition, if the worst happens and you need to make a claim we offer a dedicated advocacy service to look after you.

 

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Related FAQs

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What is Public Liability Insurance?

Public liability insurance is designed to protect your business if negligence on your part causes injury to a third party or damage to their property. It covers the cost of compensation, damages, and any legal costs incurred by third parties in making a successful legal claim against you. As an example, if you installed some wiring that later caused a fire which damaged or destroyed a building, and it was later 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.

How Much Public Liability Insurance do I Need?

The level of protection you take out depends on the type of risks you face. It’s really 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 – for example if it’s a commercial contract for a council they may require a higher level of cover compared to a domestic job. We offer public liability cover ranging from £1 million up to £10 million, depending on the insurer.

What is the Difference Between Public Liability and Employers Liability?

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work, while public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

What is an Employee?

An employee is someone who works part-time or full-time under an employment contract.

What is a Labour-only Sub-contractor?

Labour-only sub-contractors work under your direction and typically use tools and materials you provide ‒ and are paid by you or through an employment agency.

Are Bona Fide Sub-contractors Treated as Employees?

Bona Fide sub-contractors are paid by the main contractor, but work under their own direction, provide their own materials and tools – and usually have their own public liability insurance in place.

What is Professional Indemnity Insurance?

Professional indemnity cover protects you and your business in the event of legal claims relating to advice you have provided and will cover the cost and expenses incurred in your defence.

What is Efficacy Cover?

Efficacy cover provides liability cover which protects you in the event of an injury to a third party or damage to their property, as a result of a product or service’s failure to perform its intended function. This may include failure due to a product fault or its installation, such as: - An alarm system. - A fire control or extinguishing system. - An electronic security system e.g. shutters, access gate, or CCTV cameras.

What is Contract Works Insurance?

Contract works insurance protects against damage to any property that is part of the permanent or temporary works being executed by you – that includes things like materials and other items supplied or used in connection with the contract.

What is Own and Hired in Plant Insurance?

Own plant and/or hired in plant cover is vital for any tradesmen who often use complex plant machinery and equipment at work. It either covers loss or damage to plant you own, or any legal liabilities resulting from loss or damage to plant you have hired in – for instance compensation due under any hire agreement.

* As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

What our customers say

Saved me loads of money, what else can I say?
5 star service, highly recommended.
Quick, professional and cheap!!! Now I am secured – liability, indemnity, legal cost, employer insurance – fully insured. I can sleep well.
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