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INSURANCE FOR Electrical Contractors

We're here to help with insurance for electrical contractors

You wouldn't think of starting a job without the right equipment. Arranging insurance for your business is no different. It pays to speak to our professionals and that's why we're here to help you.

As a specialist electrical contractor, you face risks that may also affect your staff, subcontractors, and the general public. We understand the day-to-day risks and unique challenges you face, and we can help you find electrical insurance cover.

  • Your tools property and work, covered: electrical contractors insurance can provide cover for: tools and equipment, including those kept in unattended vehicles;* property and materials on-site; injuries suffered by clients, contractors or the public as a result of your work; damage to third party property; and injury, disease or death of an employee or sub-contractors whilst working for you.**
  • Bespoke cover – from sole traders and partnerships to SME businesses and larger companies, our insurance for electrical contractors is designed around you.
  • Professional support – our expert team are on hand to answer any questions you have, resolve issues you encounter, and with any claims that arise.

*Providing they are kept out of sight.
**No need to declare employee numbers.

How our team of electrical contractors insurance experts can help you

At Marsh Commercial, we're part of a global group with a local community focus. Our team of experts have years of experience supporting tradesmen and contractors like you.

We take time to understand your needs to arrange the electrical contractors insurance that's right for you.

What cover can electrical contractors insurance offer?*

  • public liability cover up to £10m
  • employers liability
  • subcontractor liability (with no need to declare employee numbers)
  • Inefficacy cover for losses resulting from a product or service failing to fulfil its function
  • professional indemnity cover included as standard up to £500,000, which you can increase on request
  • 24/7 tools cover
  • plant 
  • no subcontractors' warranty as standard - part of standard cover
  • management liability portfolio - provides cover in case of a claim against your business or its directors
  • contract works
  • vehicles, including directors' cars
  • stored materials
  • environmental clean-up.

Additional features include:

  • legal expenses up to £100,000
  • interest-free payment by direct debit
  • no automatic height limit applied to the policy
  • simple renewal process.

*As with all insurance policies, terms and conditions apply. Contact us for full details.

Fire safety and security contractors insurance

As a fire safety consultant installing smoke alarms or emergency lighting, or a security contractor setting up CCTV, or nurse and warden call systems, the nature of your work can leave you, your staff, subcontractors, and the general public open to risks. You need flexible, specialist fire and safety contractors insurance or security insurance to protect yourself – and your business. 

HVAC contractors insurance

We know your work can leave you exposed to a range of risks that may also impact your clients, staff or subcontractors and the general public. You need HVAC contractors insurance that protects your business against these risks.

Frequently asked questions

Q
Do electrical contractors need insurance?
A
As a specialist electrical contractor, you need to have indemnity insurance for electrical work in place to protect against risks that may cause injury to the public or your customers. If you employ staff, you're legally required to have employers liability insurance. Professional indemnity insurance will cover any legal costs and damages that you could be liable for should you or your business make a mistake. You may also consider other types of protection: tools and equipment, hired in plant (if not covered elsewhere), contract works, directors and officers insurance, and legal expenses. Don't forget buildings and contents for any premises you may have. Read our article Understanding Contractors Insurance for some specific scenarios where these covers could protect your business.
Q
Can I get my cover cheaper online?
A
You may find cheaper quotes for your electrical contractors insurance online. However, we'll search our selection of the UK's leading and specialist insurers to find the provider that suits you best. You'll only pay for the cover you need. In addition to this, we're committed to delivering the best possible customer service. Throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues. We'll also support you should you need to make a claim.
Q
What is 'Contractors All Risk' insurance definition?
A

A 'contractors all risk' insurance policy typically includes cover for:

  • contract works
  • hired in plant
  • tools 
  • employees' tools
  •  your own tools and plant. 

You can select suitable covers for your business. If you're not sure, always refer to your insurance adviser, who will recommend which cover your business needs.

 
Q
What is the purpose of Contract Works cover?
A
Contract works insurance protects your ongoing works on a project site. In the event of an unforeseen incident – such as a fire or flood – this cover means the work you are legally responsible for completing can be reinstated to the same stage before the damage occurred.
Q
What is general liability insurance for contractors?
A
General liability refers to public liability cover. This cover protects if your client or a member of the public suffers an accidental injury or accidental property damage resulting from your work. It’s not a legal requirement to have public liability. However, this insurance will cover legal defence costs and compensation costs should you find yourself facing a claim against you.