Electrical Contractors Insurance

Get Tailored Cover for Domestic, Commercial, and Industrial Electrical Work
– the Right Protection, at the Right Price

Get a quote 01132206627

Electricians Insurance to Protect Your Livelihood

When working as an electrician, having the necessary skills and experience to do the job is not enough. You need to have the right tools in your toolbox – including the appropriate insurance.

It’s a fact of life that, despite our best efforts, sometimes things can go wrong.  And it’s in those moments that having the right insurance in place is so important – protecting against potential liability is about protecting your livelihood should the worst happen.

That’s why we at NICEIC and ELECSA Insurance Services work hard to provide our customers with the right level of electrical contractors insurance cover they require, at a competitive price.

In fact, NICEIC and ELECSA registered electrical contractors receive a 10% discount on the cost of their contractors insurance.

Our Electrical Contractors Insurance Cover

You can buy online and receive your policy documents in minutes. Alternatively, you can call us and we’ll complete a quotation over the phone.

We Offer as Standard*

  • Public liability cover – with limits of £2 million and £5 million, or £10 million for selected trades.

  • Employers liability cover up to £10 million.

     

  • Professional indemnity cover up to £100,000.

  • Corporate manslaughter cover up to £1 million.

     

  • Efficacy up to £100,000.

  • Up to five years no claims bonus.

Optional Extras*

  • Cover for tools – from £1,500 to £5,000 per person.

  • Goods in transit.

  • Contract works – with £100,000, £250,000, and £500,000 limits.

  • Own plant up to £50,000.

  • Hired plant up to £50,000.

  • Personal accident.

  • Legal expenses.

  • Property all risks.

  • Increased efficacy cover up to £1 million.

The Power Behind Your Business

NICEIC and ELECA Insurance Services has the power to help protect your business and provides you with peace of mind, so you can focus on looking after your customers.

By working with specialist insurer, Covéa, we’ve developed an insurance solution for electrical contractors that’s comprehensive, flexible and affordable. The essential liability cover features of public liability and professional indemnity that you need are included as standard. In addition, your insurance can be extended to include a range of optional extras such as employers liability and tools cover, to deliver personalised insurance protection to suit your individual circumstances.

Cover is available for electrical contractors working on most domestic, commercial and industrial premises anywhere in Great Britain, the Isle of Man, the Channel Islands, and Northern Ireland – and temporary work anywhere in the EU is covered as standard too. 

Get a quote 01132206627

Why Choose Us?

NICEIC and ELECSA Insurance Services is a trading name of SME Insurance Services (SMEi), a specialist insurance broker that arranges more than 35,000 policies across the UK.

For over 15 years we’ve been providing advice and support to business insurance customers, so it’s fair to say that in that time we’ve gained a deep understanding of the typical needs of our customers.

We’re part of a global leader in insurance broking and risk management. We draw on the size and scale of our organisation to negotiate with specialist and leading insurers the best possible cover and price we can for our customers.

Whether you choose to buy your insurance online yourself, or if you’d prefer us to guide you through the options available and arrange the cover over the telephone – we’re on hand to help should you need us.

Our support extends from the advice and expertise we provide at the start of your insurance, through to helping you make changes to your cover mid-term or at renewal should your circumstances change. In addition, if the worst happens and you need to make a claim we offer a dedicated advocacy service to look after you.

 

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Related FAQs

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What is Business Insurance?

Business insurance is designed to protect businesses when they suffer losses while carrying out their usual activities, and is particularly important if a business finds itself facing a claim for compensation. Specific business insurance cover features may include employers liability insurance, public liability insurance, and professional indemnity insurance.

What is Public Liability Insurance?

Public liability insurance is designed to protect your business if negligence on your part causes injury to a third party or damage to their property. It covers the cost of compensation, damages, and any legal costs incurred by third parties in making a successful legal claim against you. As an example, if you installed some wiring that later caused a fire which damaged or destroyed a building, and it was later deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

Do I Need Public Liability Insurance?

There’s no legal requirement to have public liability insurance in place, so it’s up to you to decide if you need it – though we’d recommend getting expert advice before deciding not to take it out. It’s fair to say that many businesses that interact with the general public – including tradesmen of most types – will typically take out public liability insurance.

How Much Public Liability Insurance do I Need?

The level of protection you take out depends on the type of risks you face. It’s really an individual decision based on the nature of each business – though it’s worth finding out what level of cover potential clients expect you to have. There may be a minimum requirement of cover required depending on the nature of the job – for example if it’s a commercial contract for a council they may require a higher level of cover compared to a domestic job. We offer public liability cover ranging from £1 million up to £10 million, depending on the insurer.

What is the Difference Between Public Liability and Employers Liability?

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work, while public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

What is Employers Liability Insurance?

Employers liability insurance protects you in the event you are held legally liable for accidental death or injury of your employees at work or in connection with your business. It also covers legal costs incurred by employees in making successful legal claims against you.

Do I Need Employers Liability Insurance?

There are some exceptions, but if your business has at least one employee then the likelihood is you will need employers liability insurance. That’s because The Employers' Liability (Compulsory Insurance) Regulations 1998, made employers liability insurance cover of at least £5 million compulsory for any individual or company with employees. The exceptions include: - Limited companies where the owner is the only employee, and owns 50% or more of the issued shares. - Businesses that are not limited companies and only employ close family members

What is an Employee?

An employee is someone who works part-time or full-time under an employment contract.

Do I Need Employers Liability Insurance if I Use Temporary Workers?

Yes, the requirement for employers liability insurance extends to businesses using temporary or casual workers that are employed on a short-term contract and ad-hoc basis – whether they are clerical or manual workers.

Do I Need Employers Liability Insurance if I Use Sub-contractors?

That depends on whether you use “labour-only” or what’s known as “Bona Fide” sub-contractors. You’ll need employers liability insurance if you use labour-only sub-contractors – but Bona Fide sub-contractors are not treated as employees for insurance purposes.

* As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

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