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INSURANCE FOR Electrical Contractors

We're here to help with insurance for electrical contractors

As a specialist electrical contractor, we know that you face risks that may also affect your staff, subcontractors, and the general public. You need electrical insurance cover that gives adequate protection against these risks and reassurance for your clients. Because we understand the day-to-day risks and unique challenges you face, we're here to support you by offering:

  • Protection for:
    tools and equipment, including those kept in unattended vehicles*
    property and materials that are lost or damaged whilst on-site
    injuries suffered by a client, contractor or member of the public as a result of your work 
    damage to third party property
    injury, disease or death of an employee or sub-contractors whilst working for you.**
  • Bespoke cover – whether you're a sole trader, partnership, SME business or a larger company, our insurance for electrical contractors is designed around you. You'll only pay for the cover you need.
  • Professional risk management advice – we'll help to identify your critical exposures to risk and how they can be reduced. We're here to arrange the right electrician insurance that will protect you against these risks.
  • Saving you time – leave the hard work to us; we'll search our selection of the UK's leading and specialist insurers to find the provider that suits you best.
  • Dedicated support – 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; we'll have you back on track as quickly as possible. 

*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. We have over 28,000 contractors who have chosen us to manage their insurance needs. That's almost £130m in gross written premium (GWP); you're in good company.

You wouldn't think of starting a job without the right equipment. Arranging insurance for your business is no different, so it pays to speak to our professionals – our team of experts are here to help you. 

We take time to understand your needs to arrange the electrical contractors insurance that's right for you. So can focus on your business.

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.