Renewable Energy Installers Insurance

Your precise insurance needs will depend on the kind of work you do and where – as well as whether you have employees, premises, and vans, for instance. As a renewable energy installer, you'll likely require some of the more common liability covers included in your insurance, such as public liability and professional indemnity insurance. You may also need employers liability cover if you employ one or more people (it's compulsory for most businesses that employ people). You may also want to look at additional covers like property insurance to protect your shop, office, workshop, or other business premises; van insurance; and tools insurance – as well as protection such as personal accident and income protection. For more information, read our quick guide to insurance.

Yes, we offer cover for both primary and secondary trades. So, if you work mainly in one trade – for instance, as an electrician – select this as your primary, or main trade. Then, if you also work on occasion as a plumber, for example, you should choose this as your secondary trade.

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.

Whether you take out personal accident cover is purely down to personal choice. Contractors and tradespeople typically take it out because they may work in higher-risk environments like construction sites, where accidents are more likely to happen compared to lower risk trades or businesses.

That depends on whether you could pay your regular monthly bills and expenses if you could not work and earn for an extended period. If you think being unable to work for months, for instance, would put you in financial difficulty, then you do need to consider income protection insurance. At NICEIC and ELECSA Insurance Services, we've made it easy to add income protection cover to your main contractors insurance policy at a competitive price.