Electricians Insurance

The difficulty with insuring electricians is timing. Almost nothing goes wrong on the day. A termination that was not quite tight enough warms up over a winter, and the fire happens long after the invoice was settled and the customer has forgotten your name.

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Small Jobs, Large Buildings

So the sum at risk has no relationship to the job. A consumer unit change is a few hundred pounds of work sitting under a building worth several hundred thousand, and the policy has to be sized for the building.

The second thing that shapes this trade now is certification. Landlord EICR requirements have quietly turned a lot of electricians into report writers, and a report is a professional opinion somebody acts on. That is a different liability from wiring, and a different policy answers it.

How Much Is Electricians Insurance?

Across the electrical contractor policies on our book, premiums start at around £97.00 a year. We give the starting price rather than a range, because there is no useful ceiling to quote: turnover, how many people work under your direction, the work you take on, working height and your claims record all move it, and a larger firm sits well above anything we could put on a page. These are premiums arranged for other firms, not a quote for yours.

What moves the price is the same in every trade: turnover, how many people work under your direction, the work you take on, and your claims record. We are a broker, so we take it to several insurers rather than quoting one. Call 02382 000820 for a realistic figure.

What Electricians Insurance Covers

Electricians Public Liability Insurance

Covers injury to other people and damage to their property, and on this trade that overwhelmingly means fire following faulty work. Limits start at £1m, £2m is common on domestic work, and £5m is what commercial sites tend to ask for.

Employers' Liability Insurance

Legally required as soon as you become an employer, subject to limited exemptions, and part of every package. Apprentices are common in this trade and count, as does any self-employed spark working under your direction.

Professional Indemnity

For certificates, condition reports and design work. This is what answers a claim that your EICR missed something, which public liability cannot do because nothing of yours caused the damage.

Tools & Test Equipment Cover

Testers, calibration, power tools and hand tools. Worth reading the overnight vehicle wording on this one, because a multifunction tester is expensive and you cannot work tomorrow without it.

Contract Works Cover

The installation while it is under way, plus cable and containment on site. Copper walks off commercial jobs regularly and the value adds up faster than people expect.

EICRs Are Advice, And Advice Is Insured Differently

When a landlord acts on your condition report and something turns out to have been missed, what they have lost is enforcement costs, remedial work and possibly a claim from their tenant. None of that is damage caused by your work, so public liability sits it out entirely.

If inspection and testing is a meaningful slice of your turnover, professional indemnity is not an optional extra, it is the cover matching what you actually sell. Tell us the proportion and we will size it properly rather than bolting on a token limit.

Solar, Chargers And Batteries Need Naming

All three are electrical work and all three sit outside what a domestic rewiring policy imagined. Solar puts you on a roof and into direct current that stays live in daylight. Chargers mean outdoor installation and sustained load. Battery storage means lithium cells inside somebody's house, and a number of insurers restrict it outright.

We would rather list them than have you assume they are included. It is a two minute conversation now and a very expensive discovery later.

Electricians With A Fire Claim Behind Them

A fire on the record is the hardest thing to place in this trade, because the loss is usually large and insurers price the memory of it for years. It is also the situation where shopping online gets you nowhere, since the systems decline before a person sees it.

What works is presenting it: what caused it, what the investigation said, and what you do differently now. Certification, a second pair of eyes on consumer unit work, or moving to torque screwdrivers are all things underwriters recognise and reward, and none of them show up on a comparison form.

We have placed electricians other brokers turned away. Call 02382 000820 and bring the detail with you.

What We Need To Quote

Turnover, and how it splits across domestic, commercial and industrial
How much of it is inspection, testing and reporting
Whether you issue EICRs, and who for
Your scheme registration and who signs the certificates
Any solar, EV charging, battery storage or fire alarm work
Five years of claims, including anything settled without an insurer

Cover that often goes with this

The gaps we most often find sitting next to this policy.

Common questions

How much is electricians insurance?+

Electrical contractor policies on our book start at around £97 a year. That start is a part-time sole trader; a contracting firm with a wageroll sits a long way above it, so treat these as a guide to what we place rather than a quote. Turnover, how many people work under your direction and the work you take on are what move it. Call 02382 000820.

Do electricians need professional indemnity insurance?+

If you issue condition reports, certificates or designs, yes. When a landlord relies on your EICR and a defect was missed, their loss is enforcement action and remedial costs, and none of it is damage your work caused, so public liability does not respond. With landlord EICR requirements now routine, this has become the most common uninsured exposure in the trade.

Will my insurance pay to put right faulty electrical work?+

No, and it is worth being straight with customers about this early. Insurance pays for the damage that faulty work causes, not for redoing the work. If a poor connection starts a fire, the building and contents are the claim; correcting the circuit is your own cost. Customers almost always assume the opposite.

Can I get insurance after an electrical fire claim?+

It is the hardest claim to place in this trade, and online systems will usually decline before a human sees the file. It is not the end of the road. Bring the cause, the investigation outcome and what you changed afterwards, because that is what an underwriter is actually deciding on. We have placed electricians who had been turned away elsewhere. Call 02382 000820.

Does my policy cover EV charger and solar work?+

Only if it has been declared, and we would rather list it than have you assume. Solar puts you on roofs and into direct current that cannot be switched off in daylight. Chargers bring outdoor work and sustained load. Battery storage is restricted outright by some insurers. A policy written for domestic rewiring has not contemplated any of it.

Other trades we cover

Builders Bricklayers Structural Steel Contractors Plumbers Heating & Gas Engineers Air Conditioning & Ventilation Carpenters & Joiners Painters & Decorators Plasterers & Dryliners Flooring & Tiling Kitchen & Bathroom Installers Shopfitters Cladding & Insulation Glaziers & Window Fitters Damp Proofing & Waterproofing Roofers Scaffolders

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