Electricians’ insurance
Get cover for public liability, tools and more
- Public Liability Insurance for Electricians – up to £10 million cover
- Tailored cover for self-employed electricians & contractors
- From just £7*/month – Pay annually or in monthly instalments
*10% of our customers paid from £7.00 for ten months between January and March 2025 after an initial deposit. Interest applicable. For more details see our terms & conditions.
What is electricians’ insurance?
Electricians’ insurance is designed to protect electricians, electrical contractors, and self-employed tradespeople from financial risks, including injury claims, property damage, and stolen tools.
- Public Liability Insurance - Covers you for claims from third parties.
- Professional Indemnity Insurance - Covers you against claims from your employees.
- Employers Liability Insurance - Covers your customers for money lost in the wake of claims for negligent services or bad advice.
- Tools and Equipment - Covers your essential equipment if it gets stolen, damaged or lost.
Get a quote online in minutes1 and tailor your policy to fit your business needs. You can pick the cover that’s right for your business and exclude anything that isn’t – so you’ll only ever pay for the cover you need.
Do Electricians Need Public Liability Insurance?
The most common type of cover for electricians is Public Liability Insurance, which protects you if your work accidentally causes injury or damage to a third party (such as a customer or member of the public).
Public liability insurance is not legally mandatory, but many customers or organisations (such as local councils) won’t hire you without proof that a public liability policy is in place. Accidents happen, and when they do, public liability insurance for electricians helps protect you from costly legal claims.
Why is it important?
- Every year, around 1,000 accidents involving electricity are reported to the Health and Safety Executive (HSE). This highlights the risks associated with electrical work and the importance of being prepared for any claims
- Protection for your business: You can get up to £10 million protection, with Public Liability for covering solicitors' fees and paying compensation if a claim is made against you.
Example scenario:
An electrician is installing new wiring in a customer’s home. Due to an unnoticed fault, the system later overheats, causing a small electrical fire. The homeowner files a compensation claim for property damage. Without public liability insurance, the electrician would have to pay for the damage out of pocket.
With public liability insurance, you’ll get:
- Up to £10 million protection
- Cover for solicitors' fees, expert counsel, and compensation bills if your claim is accepted
- Optional extras, including own plant tools & equipment insurance and legal expenses cover
Protect your business and avoid financial risks with Public Liability Insurance from £7/month*.
*10% of our customers paid from £7.00 for ten months between January and March 2025 after an initial deposit. Interest applicable. For more details see our terms & conditions.
What other insurance do electricians need?
Professional indemnity insurance for electricians
Sometimes, electricians give advice or draw diagrams as part of their work, whether it's designing a wiring layout or recommending electrical systems.
If a customer follows your advice and something goes wrong, professional indemnity insurance can cover:
- Legal fees if you’re taken to court
- Compensation costs if you're found liable
- Up to £1 million cover with AXA
Employers’ liability insurance for electricians
If you have any staff or apprentices, Employers’ Liability Insurance is a legal requirement. Even if you only have one worker, you could face fines from the UK Government of £2,500 per day without a policy in place. You can also be fined £1,000 for failing to produce your insurance certificate or refusing to show it to an inspector if asked.
With Employers' Liability Insurance, you get £10 million cover for:
- Full-time and part-time employees
- Self-employed contractors you hire
- Temporary staff, apprentices, and volunteers
- People taking part in work experience or training schemes
Tools insurance
Your tools are your livelihood, don’t get caught out by theft or damage.
With tools insurance, you’ll get:
- Cover for accidental loss, theft, or damage
- Business equipment cover to protect laptops, mobiles, and other tech
- Up to £2,000 cover for any stock you might have
- Plant tools and equipment insurance for both your own and hired tools
Workshop insurance
If you store tools, machinery, or stock in a workshop or office on your premises, workshop cover helps protect them from unexpected risks.
With workshop cover, you’ll get:
- Protection for tools important to your trade, such as screwdrivers, drills, wire strippers, voltage indicators, electrical wall chasers and more.
- Customisable cover levels to match your workshop’s value
- Coverage for fire, theft, accidental damage, and vandalism
Van insurance
Stay on the road with van insurance because if your van stops, so does your business.
With van insurance for electricians, you’ll get:
- Cover for accidental injuries caused to other people, their vehicles or property
- Cover for loss or damage to your van caused by fire or theft
- Cover if you out the wrong fuel in your van
- Your cover is continued while your van is being serviced or repaired
- Guaranteed courtesy van when your van is under repair at an approved garage following an accident
- Cover for personal injury to the driver of your van (up to £5000)
How much does electricians’ insurance cost?
Electricians' insurance starts from just £7* a month, or £79** a year.
Your price depends on:
- Type of Cover – Public liability alone is cheaper than full business cover.
- Business Size – Employing staff? You'll need Employers’ Liability Insurance.
- Tools & Equipment – Covering expensive equipment raises your premium.
Getting a quote online is the best way to find out exactly what your policy would cost you.
You can choose to pay in full when you get your quote or via monthly instalments (subject to acceptance criteria).
Ready to get started?
Do Self-Employed Electricians' Need Insurance?
All electricians need insurance, whether self-employed or not. Even if you’re self-employed, you need to protect yourself from unexpected risks like accidental damage or injury claims, or stolen tools. While some insurance needs may vary from larger electrician businesses, many of the core insurance needs for self-employed electricians are similar, including:
- Public Liability Insurance – Covers accidental injury and property claims
- Professional Indemnity Insurance – Protects against mistakes in electrical designs.
- Tools & Equipment Insurance – Covers theft or loss of essential tools.
- Personal Accident Insurance – Provides financial security if you're unable to work due to injury.
Electricians’ insurance FAQs
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Don’t let a claim derail your business – get Electricians’ insurance with AXA today and Future You will thank you.
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All links and statistics are correct as of the date of publishing: 12/05/2025
*10% of our customers paid from £7.00 for ten months between January and March 2025 after an initial deposit. Interest applicable. For more details see our terms & conditions.
**10% of our customers paid this or less between January and March 2025.
1Based on the average time taken for customers to complete an AXA Business Insurance quote online. The average time taken is 4 minutes and 25 seconds.