Electrical Contractors insurance

Why do you need electrical contractors insurance?

Whilst there may be many cowboy builders and ‘jacks of all trades’ in existence, if you’re a specialised electrical contractor working in a higher risk trade, standard insurance policies simply won’t cut it. With over 12 years’ experience of catering for the electrical, fire and security industries, we understand your insurance needs.

  • Market leading cover for electrical contractors
    In conjunction with a leading insurer, we can offer an exclusive electrical contractors’ insurance policy. This is also complemented by our operational excellence and exceptional client service.
  • Risk management
    We suggest ways to manage your risk, putting you in a better position with insurers and reducing the need to claim.
  • Advice when it counts
    As an electrical contractor, you may find that off-the-shelf policies are often sold on an unadvised basis. You could end up taking out cover that you don’t need, or missing cover you really do need. Our service prevents exposure to unnecessary risks by providing tailored cover to meet your specific requirements.

How our electrical contractors insurance team can help

Electrical contractors are generally considered to be high-risk roles. So we have worked with a leading insurer to provide you with cover tailored to your trade. With an insurer, who like us, understands your industry, we can provide you with a policy that truly delivers.

Fire safety contractors

Whilst some electrical contractors may also include works within the fire industries, you may also provide standalone services, for which you’ll need specific fire safety insurance. We can offer specialised cover to help protect you and your business from the risks you face.

Security contractors

If you are a security contractor, you’ll need insurance cover that reflects your unique risks. We are able to offer specialist cover, allowing you and your business to continue to trade should the worst occur.

Cleaning contractors

If you're a cleaning contractor, whether domestic or commercial, you need a specialist policy that provides you with the cover you need.

HVAC Contractors

As an HVAC contractor you will face a number of daily risks, which require a specialist policy to ensure should an incident occur, you're covered.

What can electrical contractors insurance include?

Public liability insurance
Provides cover of up to £10 Million, protecting you in case your activities injure a client, contractor or member of the public. Plus damage to third party property, including to the item being worked upon.

Employers' liability insurance
Cover for your employees and labour only sub-contractors, with no need to declare employee numbers.

Inefficacy cover
This will cover losses resulting from a product or service failing to fulfil its function, such as an intruder alarm.

No subcontractors' warranty as standard
Part of our standard cover, ensuring you are not exposed.

Professional indemnity cover
We give this cover automatically within the policy, protecting the advice you give up to a value of £500,000, with the ability to increase if required.

24/7 tools cover
This includes whilst kept in unattended vehicles, with the proviso that tools are kept out of sight.

Management liability portfolio
Provides cover in case of a claim against your business or its directors.

Additional features

  • Interest free payment by direct debit
  • No automatic height limit applied to the policy
  • Legal expenses up to £100,000
  • A simple renewal process

Frequently asked questions

Can I get my cover cheaper online?
It’s possible you may be able to obtain cheaper quotes online, but our belief is that it is service and quality of cover that make the real difference to our clients and not simply price.
What insurance does a contractor need?
There are a variety of covers available in the insurance market, and trying to determine what you need can be tricky and at times confusing. Legally speaking contractors with employees will need to have Employers' Liability in place to operate. It is recommended that you have Public Liability cover in place, and if carrying out any work that includes professional advice, then Professional Indemnity cover as well. Some contracts (with local councils for example), may also be subject to having specific levels of indemnity especially for Public Liability and Professional Indemnity. Other insurance considerations might include; Tools cover, Hired in Plant (if not covered elsewhere), plus Contract Works, Directors’ and Officers’ insurance, Legal Expenses, and Buildings and Contents for any premises you may have.
What insurance does an electrical contractor need?
There are three fundamental covers that should be included in your electrical contractors' insurance: public liability, products liability and professional indemnity. Read our article Understanding Contractors' Insurance for some specific scenarios where these covers could protect your business. You might also want to consider other covers if they're not covered elsewhere like: tools insurance; hired in plant; contract works; directors’ and officers’ insurance; and premises insurance.
What is 'Contractors All Risk' insurance definition?
A ‘contractors all risk’ insurance policy typically encompasses the following covers; Contract Works, Hired in Plant, Tools cover, Employees tools, Own tools and Plant. The idea is to pick and choose which covers you require, and if you aren’t sure what you need, be sure to refer to your insurance advisor.
What does Contractor All Risk insurance cover?
The idea behind the cover is to protect items and works in progress that belong to you, or for which you are legally responsible.
What is general liability insurance for contractors?
General liability simply refers to Public Liability cover. Public Liability insurance provides protection if your client, or a member of the public suffers accidental bodily injury or accidental property damage as a result of your business activities. Whilst Public Liability is not legally required, it could save you a financial headache if you found yourself the subject of a claim.
What is the purpose of Contract Works cover?
The main purpose of Contract Works insurance is to make sure that your ongoing works on a project site are covered. Should there be an unforeseen event such as a fire or flood, you could make a claim against your policy to have the work that you are legally responsible for, to be reinstated to the same stage it was prior to the damage occurring, meaning that you won’t end up out of pocket.