Frequently Asked Questions

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FAQs

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. Typical business insurance cover may include employers' liability insurance, public liability insurance, and professional indemnity insurance.

I'm a renewable energy installer, what type of insurance cover do I need?

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.

Why choose business vehicle insurance from NICEIC and ELECSA insurance services?

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 commercial vehicle insurance you need – at the right price. As well as arranging protection for your business vehicles, we can also protect other areas of your business, including public liability, employers liability and professional indemnity insurance, as well as personal accident and short-term income protection.

Do I Need Public Liability Insurance?

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.

I'm a heating engineer, what type of insurance cover do I need?

The exact heating engineers insurance you need depends on the type of job you do and your work locations. Other factors will also come into play, such as whether you have employees working for you, operating from business premises, or driving a business vehicle like a van. If you employ people, there's a good chance you'll need employers liability (which is compulsory for most businesses that employ one or more people). Other core cover features like public liability and professional indemnity are included as standard (amongst other covers) in our liability cover for plumbing, heating, and gas engineers. Once you have the essential liability cover sorted, you may want to include other features like commercial vehicle insurance, cover for business premises, tools insurance, income protection, and personal accident. For more information, read our quick guide to insurance.

I'm a plumber, what type of insurance cover do I need?

The starting point in determining what plumbing insurance you need is assessing the type of work you do and where, whether you employ people, own a van, and operate from a shop or office. Common business requirements are public liability insurance for plumbers, professional indemnity cover, and employers liability insurance (compulsory for most businesses that employ one or more people). These form part of the standard features in our liability cover for plumbing, heating, and gas engineers. It's also advisable to look at covers like property insurance if you have a shop, office, workshop, or other business premises; commercial vehicle cover if you have a van, for instance; and tools insurance. We can also add covers such as personal accident and income protection if you need them. For more information, read our quick guide to insurance.

I'm a gas fitter, what type of insurance cover do I need?

The exact mix of gas engineers insurance cover features you need depends on the nature of your work, whether you employ people or not, and whether you have a van you use for business. You may need employers liability (compulsory for most businesses that employ one or more people), public liability, and professional indemnity. These are standard features (amongst other covers) in our liability cover for plumbing, heating, and gas engineers. Depending on the nature of your business, you may need insurance for business premises such as a shop, office, or workshop. You may also require commercial insurance for a van and covers like tools, personal accident, and income protection. For more information, read our quick guide to insurance.

Why choose electrical contractor insurance from NICEIC and ELECSA insurance services?

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.

What additional cover can my insurance include?

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.

Do I need public liability insurance if I am self-employed?

If you are an NICEIC and ELECSA registered contractor, you need a minimum of £2 million public liability insurance cover to meet the obligations of your registration as public safety and confidence is an important part of the NICEIC and ELECSA badge. £2 million of public liability cover is included in our electrical contractors insurance cover with Covéa as standard. However, higher limits are available for certain trades. From a legal perspective, whether you take out public liability insurance as a self-employed contractor is down to personal choice and your attitude to risk. However, given that this cover is there to protect your finances against legal fees and compensation if a client or member of the public alleges they have suffered injury or property damage as a result of your work, it is a cover that is worth looking closely at.

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