Non-Registered 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 for Non-Registered Contractors

The benefits of electricians insurance from NICEIC and ELECSA Insurance Services are not limited to NICEIC and ELECSA registered contractors – we offer tailored policies for non-registered contractors too.

Find out today how we could make your lives easier by finding the insurance you need to protect your livelihood – electrician’s insurance cover that’s comprehensive, affordable, and tailored for you.

If you're an NICEIC and ELECSA registered electrical contractor you will receive a 10% discount on the cost of your contractors insurance.

Our Electrical Contractors Insurance Cover

You can buy online and receive your policy documents almost immediately. 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 protect your business leaving you to focus on your customers, safe in the knowledge you’ve the essential insurance you need.

We’ve worked closely with Covéa, a specialist insurer, to create an electrical contractors insurance solution which offers comprehensive, tailored protection, at a price that’s competitive. In addition to the core liability cover features – public and employers liability – the insurance solution can be tailored to suit your individual needs, by adding a range of optional extras.

The cover is flexible, so can offer protection for a range of circumstances – from domestic, commercial, and industrial jobs– in premises across Great Britain, the Isle of Man, the Channel Islands, and Northern Ireland. Temporary work you may undertake in the EU is also covered as standard.

Get a quote 01132206627

Why Choose Us?

NICEIC and ELECSA Insurance Services is a trading name of SME Insurance Services (SMEI). We have a long history of arranging business insurance, over a period of 15 years, which now cumulates in us supporting more than 35,000 policies across the UK.

We want to provide our customers with the choice on how to buy your insurance. If you’d prefer, we offer an online quote and buy facility so can you simply arrange the cover yourself. However if you need support and would prefer to speak to us, just give us a call. At this point, we’d like to point out that there is no difference in the price offered online or over the telephone, so it’s simply about providing you with choice.

When you contact us you will get access to a team with the knowledge to help you find the electrical contractors insurance for you – quickly and easily.  We’ll make sure you get the protection you need.

Most importantly, we’ll be on hand to help you during the lifetime of your insurance – such as any insurance related questions you may have, mid-term adjustments you may need to make, through to helping you renew your cover. And should the unfortunate happen, we’ll provide a dedicated claims advocacy service to help get the claim settled as quickly as possible.

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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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