Electrician’s Public Liability Insurance
Electrician’s Insurance Backed By ‘Exceptional’ Service
Want to save money on your electrician’s public liability insurance? Let the insurance specialists at Coversure Hull compare our markets to find you the electrician’s insurance that’s right for you. Whether you’re working as an electrician or you own your own an electrical contractors business, call us today on 0800 977 6037 and let our award-winning team help you get the protection you need.
Electrician’s insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of liability insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your electricians insurance quote today.
What is electrician’s public liability insurance?
Electrician’s public liability insurance – or electrical contractors’ insurance as it’s also known - through Coversure Hull is a flexible policy that provides electrical contractors, electricians and electrical contractor companies with the public liability insurance they need. We can tailor it to your requirements, and as well as your public liability risks it can provide:
- Employers’ liability insurance
- Tools insurance
- Accident or accidental death cover
- Product liability insurance.
- Legal expenses cover
- Professional indemnity insurance
- Business interruption insurance
- Contractors’ all-risk
Who needs electrician’s public liability insurance?
While it’s called public liability insurance it can protect a range of firms and professionals, including:
- Electricians
- Electrical contractors
- Building and construction firms who undertake electrical work
To find our more or to get an electrician’s insurance quote, please call us free on 0800 977 6037. We’ll get to know your needs before comparing our markets to find you the protection that’s right for you.
What can electrician’s insurance cover?
Electrician’s public liability insurance through Coversure Hull can be tailored to your needs, but it commonly includes:
- Public liability insurance – covers you should a member of the public injure themselves or if their property is damaged while you are working. It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities. In the case of electrician’s, policy limits are typically arranged for £1m, £2m, £5m or £10m depending on the size of your business and the type of work you are doing
- Employers’ liability insurance - is a legal requirement if you have employees. It provides cover in the event of an employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) in place to protect your employees in case they are injured or become ill through working for you. Your policy must:
- Cover you for at least £5 million – some companies take £10 million or more
- Be with an authorised insurer
- And employers must provide a safe working environment
- Product liability insurance - if the products you use, recommend, or sell cause problems, you can be held liable. Products are central to many businesses, and if something goes wrong, you can be liable for claims and compensation. Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees
- Personal accident insurance - protects your organisation should someone be involved in an accident at work. It will pay out in the event of death, bodily injury, or disablement. The compensation provided can pay for temporary staff or cover the overtime cost for other team members. With over 561,000 non-fatal work-related injuries occurring in the construction and related trades in 2022/2023, having this cover in place can be seen as vital for electricians
- Professional indemnity insurance - if you advise customers or provide a service and are required to advise on best practise, you should consider having professional indemnity insurance. Professional indemnity insurance – P.I. insurance – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice
- Tools insurance – without the tools of your trade, you can’t work. With tool thefts rising in the UK, you’d be wise to have tools insurance in place. Tools insurance through Coversure Hull can protect your business’s and your employees’ tools, and you can even take out tools in transit cover to protect them while they are on the move
- Contract works insurance – also known as contractors’ all-risks insurance covers the work you’ve carried out prior to the completion of a project so that if what you’ve done is lost, accidentally damaged or destroyed, you won’t be left out of pocket
- Business interruption insurance – if your business had to close for a period following a disaster such as a flood or a fire, could you cope financially? With business interruption insurance as part of your electrician’s public liability insurance you can receive an income until you’re back up and running
How much does electrician’s public liability insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your electrician’s public liability insurance quote will depend on things like:
- Where you are working
- The size of your business and its turnover
- If you have any employees
- The value of your tools and equipment
- Your business’s postcode
- Your claims history
- How long you have been operating for
If you’d like to know how much an electrician’s insurance policy will cost you, please get in touch. You can call us on 0800 977 6037 or start your electrician’s insurance quote today.
Electrician’s public liability insurance FAQ
Electrician’s insurance is a complex area of cover and it’s important to get it right. To help you get the protection that’s right for you, here are our electrician’s public liability insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Who needs electrician’s liability insurance?
A. Electricians, electrical contractors and building and construction firms who undertake electrical work can all benefit from having this type of cover
Q. Is electrician’s insurance a legal requirement?
A. No, though if you have any employees, you will need employers’ liability insurance
Q. How much does electrician’s insurance cost?
A. That will depend on things like if you have any employees, where you are working, and the value of your equipment. if you’d like to get some independent advice, then please call us free on 0800 977 6037
Q. Is an electrician’s public liability insurance policy based on claims made or on a claims occurring basis?
A. Most policies are arranged on a claims occurring basis. This means it responds to claims arising from incidents that occurred whilst the policy was in force
Q. Does it make a difference to my cover whether I work as a limited company or not?
A. No, whether you operate as a limited company, partnership, or sole trader
Q. How much public liability insurance do I need?
A. That really depends on the nature of the work you’re doing, for whom, and where. While policies can be arranged for £1m or £2m, some organisations will insist on you having at least £5m of public liability insurance in place. For larger organisations or for work in riskier areas cover of up to £10m may be required
Q. How can I get an electrician’s insurance quote?
A. Getting an electrician’s insurance quote from us is easy. You can call us on 0800 977 6037 or get your electrician’s insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like.
Get an electrician’s public liability insurance quote
If you'd like some electrician’s liability insurance help or an electrician’s insurance quote, call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
