Electricians Public Liability Insurance

Public Liability Insurance for Electricians – Protect your livelihood with comprehensive public liability cover.

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Electricians Public Liability Insurance

Make Sure You Are Protected in the Event of Injury or Incident Affecting Customers or the Public – Get the Right Protection at the Right Price

Electricians Public Liability Cover to Help Defend You Against Compensation Claims

Clearly, site safety is always a focus for NICEIC and ELECSA member electrical contractors, but sometimes even the most thorough risk management can be undone by unexpected events – and incidents affecting customers and the public can have very serious consequences.

There are the health impacts on those affected of course, but no-one should overlook the potential financial consequences for affected electrical contractors. Injury or illness caused by on-site incidents can bring compensation claims if you are held liable – and they can be expensive, stressful and time consuming to defend. Then there is the effect on your finances if compensation is awarded against you.

That is where public liability insurance for electrical contractors comes in. The right cover should be there to protect you, your finances and your livelihood in the event of injury or incident affecting customers or the wider public. It will help you defend compensation claims, and cover compensation costs if they are awarded against you.

At NICEIC and ELECSA Insurance Services, we have the industry knowledge and the insurance know-how to help you find the right electricians public liability cover, at the right price.

Our Public Liability Insurance for Electricians

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

We Offer the Following

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

Electrical Contractors Insurance

Remember, we also offer affordable packaged insurance for electrical contractors, which offers a range of covers under a single, tailored policy.

 

The Power Behind Your Business

At NICEIC and ELECA Insurance Services we have the power to help protect your business when things go wrong.

We’ve worked with leading and specialist UK insurers to develop electrical contractors public liability insurance that’s designed with your needs in mind – it’s comprehensive, flexible and affordable.

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

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Why Choose Electricians Public Liability Insurance from NICEIC and ELECSA Insurance Services? 

NICEIC and ELECSA Insurance Services is part of Jelf, an  expert in insurance and risk management. We specialise in business insurance for firms just like yours – in fact, we currently provide more than 35,000 business insurance policies for over 21,000 customers across the UK. It’s safe to say we have the experience and the know-how to help our business insurance customers find the cover they need, at the right price.

We’re part of Marsh, a global leader in insurance broking and risk management, and we draw on that to negotiate with specialist and leading insurers on your behalf – to find the best possible cover and price we can.

Whether you choose to buy your electrical contractors public liability insurance online, or if you’d prefer to give us a call – so we can guide you through the options and arrange your cover over there and then – we’re on hand to help when you need us.

But our support doesn’t end there. We’re here throughout the lifetime of your policy to helping you make changes to your cover if your circumstances change, sort out renewals and if you need to make a claim we have a dedicated advocacy service on hand to look after you.

 

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Related FAQs

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What is Business Insurance?

Business insurance is designed to protect businesses when they suffer losses while carrying out their usual activities, and is particularly important if a business finds itself facing a claim for compensation. Specific business insurance cover features may include employers liability insurance, public liability insurance, and professional indemnity insurance.

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.

Do I Need Public Liability Insurance?

There’s no legal requirement to have public liability insurance in place, so it’s up to you to decide if you need it – though we’d recommend getting expert advice before deciding not to take it out. It’s fair to say that many businesses that interact with the general public – including tradesmen of most types – will typically take out public liability insurance.

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 Employers Liability Insurance?

Employers liability insurance protects you in the event you are held legally liable for accidental death or injury of your employees at work or in connection with your business. It also covers legal costs incurred by employees in making successful legal claims against you.

Do I Need Employers Liability Insurance?

There are some exceptions, but if your business has at least one employee then the likelihood is you will need employers liability insurance. That’s because The Employers' Liability (Compulsory Insurance) Regulations 1998, made employers liability insurance cover of at least £5 million compulsory for any individual or company with employees. The exceptions include: - Limited companies where the owner is the only employee, and owns 50% or more of the issued shares. - Businesses that are not limited companies and only employ close family members

What is an Employee?

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

Do I Need Employers Liability Insurance if I Use Temporary Workers?

Yes, the requirement for employers liability insurance extends to businesses using temporary or casual workers that are employed on a short-term contract and ad-hoc basis – whether they are clerical or manual workers.

Do I Need Employers Liability Insurance if I Use Sub-contractors?

That depends on whether you use “labour-only” or what’s known as “Bona Fide” sub-contractors. You’ll need employers liability insurance if you use labour-only sub-contractors – but Bona Fide sub-contractors are not treated as employees for insurance purposes.

*1 Cover may differ dependent upon insurer.

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

*3 https://www.jelf.com/about/

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