Electrician insurance

Working with electricity can be a risky business. Find out what type of electrician insurance you need and what's included in the cover.

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What is electrician insurance?

Electrician insurance is business insurance tailored to the needs of electricians.

The policy specifications will vary by insurer and personal requirements, but can include cover for public liability, personal accident and tools.

What insurance does an electrician need?

The exact details of the policy will vary, as each professional will have their own unique requirements.

However, the types of insurance that are important for electricians are professional indemnity insurance, public liability insurance, personal accident insurance and cover for your tools.

You might also consider getting van insurance if you use one for your business.

Why do electricians need insurance?

As an electrician, you are dealing with dangerous materials and working in hazardous circumstances. Even for the most skilled and experienced professional, this can sometimes mean harm is caused to others or to yourself. Professional indemnity and personal accident insurance cover these risks.

Many electricians have expensive tools and drive a van around between appointments. You might want to protect both against damage, loss and theft.

If you employ staff (including apprentices), you are legally required to take out employers’ liability insurance.

What does electrician insurance cover?

Specifications will vary by insurer and depend on the type of policy you choose to suit the needs of your business, but insurance for electricians can include the following:

  • Professional indemnity insurance. Indemnity insurance is important for electricians, as electricity can be hazardous and cause serious damage to others and their property. Even the most skilled and experienced electrician can make mistakes and indemnity insurance protects you in case action is taken against you by someone who was harmed.
  • Personal accident insurance. It’s not just others who can be harmed by the dangerous materials you work with, you can be injured too. Personal accident insurance covers you in case you suffer an injury that means you cannot work. You might also wish to consider taking out life insurance, particularly if you have a family or a mortgage.
  • Public liability insurance. Public liability cover protects you in case a member of the public is injured or their property is damaged and your business is responsible. For example, if someone trips on a piece of your equipment while you’re working in a public space.
  • Cover for tools and equipment. Electricians often carry expensive tools they rely on to do their work. This type of cover protects these items against damage, loss and theft. If you travel to see customers, you should look at tools insurance that includes cover while the equipment is in transit and away from your office or home.
  • Employers’ liability insurance. If you employ staff, you are legally required to take out employers’ liability insurance, to protect both your employees and yourself against legal action. This includes apprentices, but might not cover freelancers, so it’s best to check with your insurance company to make sure.
  • Van cover. Many electricians use a van to get around while working. Commercial van insurance usually includes cover for equipment, as well as other benefits found in regular car insurance. It’s important to note that most car insurance policies don’t include business use, so it’s worth checking the details of your policy if you use your car for work purposes.

Other types of cover you might wish to take out include:

  • Legal expenses. While liability compensation payouts can run into millions of pounds, other costs involved in a court case can also be a serious burden. Legal expenses cover can help you in case action is taken against you.
  • Buildings and contents insurance. If you have dedicated premises for your business, contents insurance can cover things like furniture and equipment against a list of insured incidents (like flood and fire damage), as well as help to replace other contents and your employees’ personal belongings if they’re damaged, lost or stolen. Buildings insurance covers the fabric of the building, including fixtures and fittings. If you rent your premises, this might be covered by your landlord, but it’s best to check with them about what is and isn’t included. If you run your business from your home, you are unlikely to be covered under your regular home insurance policy. You can find out more in our guide to working from home insurance.
  • Business interruption insurance. Business interruption cover can help compensate you for loss of profits if your business is unable to operate for a period of time for a covered event. This will vary by insurer, but can include natural disasters, illness or a local emergency (such as police cordoning off the area).

Common claims examples

  • Repair gone wrong. Even highly skilled and experienced electricians can sometimes make mistakes, it’s only human. Unfortunately, when it comes to electricity, this can have very serious consequences. For example, if you fix an electrical fault at a customer’s home and overlook something that later causes the circuit to catch fire, it’s likely that the customer will want some sort of compensation from you. Having professional indemnity insurance in place can help with this, as well as your legal costs.
  • Accidents in the street. If you are fixing something on the street and a member of the public trips on a piece of your equipment, this might lead to action against you. Public liability cover can help you with legal expenses and any compensation payments you might have to pay.
  • Injury at work. As an electrician, you do a job that can sometimes be dangerous. For example, you can be repairing a faulty power line and fall off your ladder, causing you an injury that means you cannot work for a while. Personal accident insurance can offer support while your income is affected by your injury.

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