The cost of electrical contractor insurance cover depends on the nature of your contracting business – its size, claims history, the type of work you undertake and the level of risk that comes with it. That means there is no single average cost of electrical contractor insurance. We've worked with insurers to develop a comprehensive, flexible, and affordable electrical contractors insurance solution. You can get a quote online in minutes, or call us for advice on the level of cover you need and get a quote there and then.
Protection for your domestic, commercial and industrial electrical work – created for NICEIC contractors to meet the exact needs of your registration.
Insurance for electrical contractors designed with you in mind. Comprehensive cover at the right price.
As an electrical contractor, we know you face daily risks. Even with the right skills, qualifications and experience, mistakes and accidents can happen – causing financial loss, damage to property or injury to your staff, clients or members of the public.
Working with a leading specialist insurer, we have negotiated high quality insurance at a competitive price for you. And, as an NICEIC registered electrical contractor, you'll benefit from a 10% discount on the cost of your electricians insurance.
Put our electrical business insurance to the test
Our FREE no-obligation business insurance check will compare the cover, service and price you're getting with what we can provide. We'll identify if you're missing out on valuable enhanced benefits – and potentially save you money. We also include electrical vehicle charging installation insurance as standard, at no extra cost.
If you prefer to do things yourself, you can get a quote and buy online – quickly and conveniently.
Our comprehensive insurance cover for electrical contractors
By working with a specialist insurer, we've developed electrical contractors insurance with you in mind. It's comprehensive, flexible and affordable.
Get the right cover at the right price
Includes dedicated customer support from a team of experts at the end of the phone whenever you need them.
Our electrical contractors insurance includes:*
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Corporate manslaughter cover up to £1 million.
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Cover for up to 20 people.
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Efficacy cover of £100,000.
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Employers liability for temporary employees, 100 man-day limit cover up to £10 million.
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Loss of customer keys cover up to £50k.
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Professional indemnity cover up to £100,000 collateral warranties added as standard.
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Public liability cover –with limits of £2 million and £5 million, or £10 million for selected trades.
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Standard height limit 20m, and depth restriction 3m.up to five years no claims bonus.
Optional insurance for electrical contractors includes:**
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Contract works – with £100,000, £250,000, and £500,000 limits.
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Cover for tools – from £1,500 to £5,000 per person.
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Goods in transit.
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Hired plant up to £50,000.
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Increased efficacy cover up to £1 million.
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Legal expenses.
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Own plant up to £50,000.
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Personal accident and short-term income protection
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Property all risks.
The power behind your business
NICEIC Insurance services is here to help you with all your business insurance needs – from electrical contractor business insurance, personal accident and short-term income protection to van insurance and premises insurance – we've got you covered.
Unlike many direct insurers or comparison sites, we're here to provide expert advice. We'll explain the finer details of your electrical contractor business insurance cover, so you know exactly what you're protected for. This should provide you with peace of mind, leaving you to focus on looking after your customers.
Our support doesn't stop there. We're on-hand to guide you through the process of making changes to your cover – mid-term or at renewal, should your circumstances change. But, if you wish to do things yourself, our customer portal puts you in control. Download your documents, make adjustments and renew your policies online.
And, should the worst happen and you need to make a claim, we will help to make sure it's handled as quickly as possible.
*https://www.niceic-and-elecsa-insurance.com/news-and-information/niceic-and-elecsa-insurance-services-wins-an-exceptional-service-award/
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**As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.
Frequently asked questions
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You can easily add tools cover to your contractors policy, up to £1,500 per person, and further extend that cover to include theft from unattended vehicles – just give us a call; we're happy to help.
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Professional indemnity insurance is a requirement for NICEIC Scheme(s) where the scope of work undertaken includes periodic inspection and testing. So, if you offer clients advice, consultancy, inspections or testing as part of your work, this cover is there to help defend claims made against you alleging errors and mistakes in your professional advice or in your work.
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This depends on the nature of your business – the kind of work you do and where, whether you employ people – and whether you have business premises or vehicles. The insurance cover you typically need includes public liability insurance cover and professional indemnity insurance cover– both of which are included as standard (amongst other cover features) in our electrical contractors liability insurance product.
If you are registered with NICEIC, you are required to have a minimum of £250,000 professional indemnity cover if the scope of work you undertake includes periodic inspection and testing. You are also required to have public liability insurance cover for a minimum of £2 million.
You may also need employers liability which is compulsory for most businesses that employ one or more people. You may then choose to add other cover features like property insurance to protect your shop, office, workshop, or other business premises; van insurance; and tools insurance – as well as covers such as personal accident and income protection.
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The insurance covers you need as an electrical contractor depends on your business's nature – its size, whether you employ people and the kinds of work you carry out – and on your attitude to risk. Employers liability insurance is a legal requirement if you employ people – even temporarily or unpaid. Meanwhile, public liability insurance covers legal fees and compensation if a client or member of the public alleges injury or property damage as a result of your work, as well as cover for your tools, vehicles and premises. You are required to have at least £2 million public liability insurance cover as part of the NICEIC scheme(s).
Similarly, income protection insurance can step in to replace lost income if you are unable to work through illness or injury and may be a sensible precaution.
Professional indemnity insurance is a requirement for NICEIC scheme(s) where the scope of work undertaken includes periodic inspection and testing. This will cover the cost of legal fees and compensation if a client alleges a failure in your professional advice.
At NICEIC Insurance services, we have worked with insurers to develop contractors insurance solutions that are comprehensive, flexible and affordable – to make it easier for you to find the right cover at the right price.
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Contractors wishing to undertake PRS electrical safety inspection work must have at least £2m in public liability insurance cover for the range of PAT Testing work undertaken, and at least £250,000 in professional indemnity insurance where the scope is of application includes periodic inspection and testing.
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We're part of Marsh Commercial, an award-winning insurance and risk management expert. Being part of a global leader with a 150-year heritage means you can be confident we have the experience and expertise to help you arrange the electrical insurance you need – at the right price. Don’t forget, if you become an NICEIC registered contractor, you'll benefit from a 10% discount on the cost of your electrical insurance.
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Electrician insurance 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.
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