Non-Registered Electrical Contractors Insurance

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

Request a callback 01133960346
Icon images 570x375_Electrical.png

Electricians Insurance for Non-Registered Contractors

The benefits of electricians insurance from NICEIC and ELECSA Insurance Services are not limited to NICEIC and ELECSA registered contractors – we offer tailored policies for non-registered contractors too.

Find out today how we could make your lives easier by finding the insurance you need to protect your livelihood – electrician’s insurance cover that’s comprehensive, affordable, and tailored for you.

If you're an NICEIC and ELECSA registered electrical contractor you will receive a 10% discount on the cost of your contractors insurance.

Our Electrical Contractors Insurance Cover

You can buy online and receive your policy documents almost immediately. 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 protect your business leaving you to focus on your customers, safe in the knowledge you’ve the essential insurance you need.

We’ve worked closely with Covéa, a specialist insurer, to create an electrical contractors insurance solution which offers comprehensive, tailored protection, at a price that’s competitive. In addition to the core liability cover features – public and employers liability – the insurance solution can be tailored to suit your individual needs, by adding a range of optional extras.

The cover is flexible, so can offer protection for a range of circumstances – from domestic, commercial, and industrial jobs– in premises across Great Britain, the Isle of Man, the Channel Islands, and Northern Ireland. Temporary work you may undertake in the EU is also covered as standard.

Get a quote 01133960346

Why Choose Us?

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 want to provide our customers with the choice on how to buy your insurance. If you’d prefer, we offer an online quote and buy facility so can you simply arrange the cover yourself. However if you need support and would prefer to speak to us, just give us a call. At this point, we’d like to point out that there is no difference in the price offered online or over the telephone, so it’s simply about providing you with choice.

When you contact us you will get access to a team with the knowledge to help you find the electrical contractors insurance for you – quickly and easily.  We’ll make sure you get the protection you need.

Most importantly, we’ll be on hand to help you during the lifetime of your insurance – such as any insurance related questions you may have, mid-term adjustments you may need to make, through to helping you renew your cover. And should the unfortunate happen, we’ll provide a dedicated claims advocacy service to help get the claim settled as quickly as possible.

Filter by:

Related FAQs

See all FAQs

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.
Related News

Business Continuity Planning For Contractors

24th August 2021

What is a business continuity plan and how do you write it? With appropriate continuity planning you can protect your business and avoid disaster.

FREE, no obligation insurance health check

3rd December 2020

To receive your free, no obligation insurance health check, please contact us.

How to Become a Self-Employed Electrician

2nd December 2020

What do you need to consider when becoming a self-employed electrician? Explore some of the important considerations including self-employed…

What Does Employers Liability Insurance Cover?

26th November 2020

What Does Employers’ Liability Insurance Cover? If you’re a subcontractor you may be covered under your employer’s EL policy, but it depends what type…