Electricians Insurance

Across the 12 electrical contractor policies on our book, most fall between £97.00 and £660 a year, with the middle sitting around £135. We quote the range rather than the cheapest policy we have ever placed, because the very lowest is always an outlier and tells you nothing about your own business. 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.

Public liability responds according to when the damage happened, not when you did the work. A fire this winter caused by a connection you made four years ago is dealt with by the policy you hold now, as long as you have held one the whole time in between.

That has a consequence people miss when they retire or take a year out. Stopping cover does not end the liability, it just removes the thing that would have paid. If you are winding down, talk to us about that before the last policy expires rather than after.

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.

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.

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.