Electricians’ insurance
Get cover for public liability, tools and more
- Public Liability Insurance for Electricians – up to £10 million cover
- Tailor your cover to best suit your work as a self-employed electrician
- From just £7*/month – Pay annually or in monthly instalments
- Get customer offers and rewards from our partners when you get business insurance with AXA
*10% of our customers paid from £7 for ten months between January and March 2026 after an initial deposit. Interest applicable. For more details see our terms & conditions.
What is electricians’ insurance?
Electricians’ insurance is designed to protect you in the face of claims against your business. Get cover for things like accidental injury claims, property damage, and lost or stolen tools.
- Public Liability Insurance - Covers you for claims from third parties for accidental injury or property damagr
- Professional Indemnity Insurance - Covers your customers for money lost in the wake of claims for negligent services or bad advice.
- Employers Liability Insurance - Covers you against claims from your employees.
- 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 covers that are 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 a legal requirement, but many local authorities (such as your local council) won’t hire you without proof that a public liability policy is in place.
Why is it important?
- Between 2019/20 and 2023/24, electrical accidents accounted for 4% of all workplace fatalities. While that percentage may seem small, these types of injuries are often life-changing - or even fatal – it highlights the risks associated with electrical work and the importance of being prepared for any claims
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 for ten months between January and March 2026 after an initial deposit. Interest applicable. For more details see our terms & conditions.
What other insurances do electricians need?
Professional indemnity insurance
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
Employers’ liability insurance
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
- Salaried or unpaid staff
- Self-employed contractors you hire
- Temporary staff, apprentices, and volunteers
- People taking part in work experience or training schemes
Own Plant & Hired-In Plant tools insurance
Your tools are your livelihood, don’t get caught out by theft or damage. With either of our tools insurance covers, you’ll get:
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 £76** a year.
*10% of our customers paid from £7 for ten months between January and March 2026 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 2026.
Your price depends on:
- Your profession - what your business does helps insurers estimate the risk of a claim. If you are in an industry that is more likely to claim, work in dangerous environments or with dangerous tools and materials, then the price you pay will be higher.
- Your location - if you are in an area with a history of claims, then you might pay more for your business insurance as a result.
- Number of covers - if you have greater protection by holding a number of covers, you will likely pay more overall.
- Your coverage limits - each cover comes with a different coverage limit. This coverage limit determines the maximum insurance pay-out you'll receive following a successful claim. Policies with lower coverage limits are typically cheaper but could leave you underinsured. It's important to conduct a risk assessment for your business and get the right level of cover for you.
- The value of your contents - the value of your fixtures, fittings and the value of your goods/stock will all be considered when you get a price for a business contents insurance policy.
- Your staff - the number of employees you have will influence the cost of your employer’s liability insurance policy. More staff will come with more risk of something going wrong and this will be factored into the price of your policy.
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:
- Protection from claim arising from accidental injuries or property damage
- Problems arising or money being lost because if your advice
- Damaged, lost, or stolen tools and equipment
- Employees getting injured
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: 19/06/2026
*10% of our customers paid from £7 for ten months between January and March 2026 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 2026.
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.