Electrical Contractors Insurance

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.

Precisely what cover you need depends on the nature of your business – the kind of work you do and where, whether you employ people – and whether you have business premises or vehicles. The insurance cover you typically need includes public liability and professional indemnity – both of which are included as standard (amongst other cover features) in our electrical contractors liability insurance product. You may also need employers liability which is compulsory for most businesses that employ one or more people. You may then choose to add other cover features like property insurance to protect your shop, office, workshop, or other business premises; van insurance; and tools insurance – as well as covers such as personal accident and income protection. For more information, read our quick guide to insurance (https://www.niceic-and-elecsa-insurance.com/news-and-information/a-quick-guide-to-insurance/)

You can extend your electrical contractors 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.

Contractors wishing to undertake PRS electrical safety inspection work must have at least £2m in public liability insurance cover for the range of PAT Testing work undertaken, and at least £250,000 in professional indemnity insurance where the scope is of application includes periodic inspection and testing.

The cost of electrical contractor 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 electrical contractor insurance. At NICEIC and ELECSA Insurance Services, we have worked with insurers to develop a comprehensive, flexible, and affordable electrical contractors insurance solution. You can get a quote online in minutes, or call us for advice on the level of cover you need and get a quote there and then.

The insurance covers you need as an electrical contractor depends on your business's nature – its size, whether you employ people and the kinds of work you carry out – and on your attitude to risk. Employers liability insurance is a legal requirement if you employ people – even temporarily or unpaid. Meanwhile, you may want to consider public liability insurance to cover legal fees and compensation if a client or member of the public alleges injury or property damage as a result of your work, as well as cover for your tools, vehicles and premises. Similarly, income protection insurance can step in to replace lost income if you are unable to work through illness or injury and may be a sensible precaution. At NICEIC and ELECSA Insurance Services, we have worked with insurers to develop contractors insurance solutions that are comprehensive, flexible and affordable – to make it easier for you to find the right cover at the right price.