Electricians’ insurance
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- Tailor your cover to suit you – public liability, tools insurance and more
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What is electricians’ insurance?
Electricians' insurance often comprises of several different covers combined to give you the best policy for your needs. These policies typically include a combination of covers. It will vary depending on the type of work you do and the size of your business.
- Public Liability Insurance: The most common type of insurance for electricians. It protects your business if someone is accidentally injured when you’re carrying out a job, or their property is damaged because of the work you’re doing.
- Professional Indemnity Insurance: If you offer advice to your customers, such as proving the design for cabling on a new extension – you should consider investing in professional indemnity insurance.
- Employers Liability Insurance: Have any apprentices who work with you? Employer liability is a legal requirement for any employees, even volunteers.
- Tools and Equipment: Want to protect any of your own plant tools and equipment? You can get the cover you need to replace any lost or damaged tools and equipment.
What insurance do electricians need?
Public liability insurance for electricians
Public liability insurance offers electricians cover in case someone is accidentally injured or their property is damaged because of their work. Public liability insurance can protect your business against claims to cover damages and legal costs that people may make against your business.
So, whether it’s a trip and slip or a serious accident that could wreak havoc on your bank balance, public liability insurance gives you the extra peace of mind you need.
With public liability insurance, you’ll get:
- Up to £1 million protection
- If your claim is accepted, you'll be covered for solicitors' fees, expert counsel and compensation bills in your defence
- Optional extras such as own plant tools and equipment or legal expenses cover
Professional indemnity insurance for electricians
Sometimes you’ll be required to give advice to your clients as part of electrical contracting work, and if you do, you need to be prepared by having professional Indemnity insurance.
If a client follows your advice and something goes wrong, this cover will help with any legal fees to in your defence, and with paying out on a successful claim. With AXA you’ll get up to £1 million cover.
Employers’ liability insurance for electricians
You’re legally required to have Employers Liability insurance kind of cover if you have any staff or apprentices. Even if you have one member of staff or volunteer working for you, you are liable for any illness or injury they experience as a result of working for you. If you don’t have this type of insurance, you can be fined.
With employers’ liability insurance, you’ll get £10 million cover for protection. It’ll protect:
- 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
Own plant tools and equipment
As an electrician, you’ll be working with tools almost every day. Own plant tools and equipment tools insurance from AXA offers protections for both the tools that you own, and you can cover those that you have hired in case of accidental loss, theft, or damage.
With tools insurance, you’ll get:
- Plant tools and equipment insurance for your own or hired tools
- Business equipment cover to protect laptops, mobiles and other tech
- Protection for accidental loss, theft, or damage
- Up to £2000 cover for any stock you might have
Van insurance
When you’re working for different clients, you’re always on the move which means you rely on your van to keep business operating as normal. We understand how important it is to keep the wheels turning, that’s why van insurance from AXA is there to give you peace of mind.
With van insurance, 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?
How much your policy costs will depend on several factors. Business insurance costs our customers, from £6.79* a month, or £82** a year. To find out exactly what your policy would cost you, you can get a quote online.
With your policy, you can choose to pay in full when you get a quote or via monthly instalments (subject to acceptance criteria).
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What factors affect the cost of a policy?
Several factors play into the overall price you pay. Here are just a few of them, and why they are important.
- Where you complete your work may affect your premium as businesses located in areas with heavy footfall, or who interact more consistently with members of the pubic, are at higher risk of accidents or theft.
- How many staff you have will affect your premium as more employees opens to up to more possibilities of claims resulting in negligence or accidental injury.
- Your occupation can affect the cost of your insurance. For example, trades occupations use complex equipment or dangerous machinery regularly and are therefore considered higher risk.
- The types and levels of cover you choose will affect your policy as the more cover you have. For example, a policy with all available covers will be more expensive standalone public liability policy due to the amount of cover.
- Whether you have any optional extras will affect the cost of your policy as this will provide you extra cover not included under your standard policy.
Electricians’ insurance FAQs
All electricians need insurance, whether self-employed or not. If you’d like to learn more about business insurance for the self-employed, you can find more information here: Self-employed insurance.
You will only need to have professional indemnity insurance if you give advice to your clients. If you don’t, then public liability should be enough to protect you.
Business insurance is not a legal requirement for UK businesses. However, you may find that some contracts (such as local authorities) require public liability cover to work with you.
However, of you have anyone working for you – in any capacity and for any length of time - then Employers’ liability insurance is a legal requirement.
What other trades do AXA cover?
We cover many different trades
- Property maintenance
- Carpenters and joiners
- Painters and decorators
- Builders
- Plumbers
- Bricklayers
- Plasterers
- And more…
If you don’t see your trade here, don’t worry - it doesn’t mean we can’t insure you.
Search for your trade when you get a quote online or have a look through our handy A-Z of occupations.
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*10% of our customers paid from £6.79 for ten months between January and March 2024 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 2024.
1This discount is applied automatically and lasts for the lifetime of your policy.