Electrical Contractors Insurance

Potection for your domestic, commercial, and industrial electrical work – created for NICEIC contractors to meet the exact needs of your registration. 

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Insurance for electrical contractors designed with you in mind. The right cover, at the right price.

We understand the daily risks you face. We're committed to protecting you and your business should the unthinkable happen

Working with a leading specialist insurer, we have negotiated high quality insurance at a competitive price for you. As an NICEIC and ELECSA registered electrical contractor, you'll benefit from a 10% discount on the cost of your electricians insurance.

Claim your 10% discount today

Over 12,000 contractors can't be wrong

Don't take our word for it. Our excellent Feefo reviews from contractors speak for themselves. That's why we have been awarded an exceptional customer service award – some of the five-star reviews have told us they had saved money, others have improved benefits and still saved money.1 Also, over 60% of contractors have paid less than £354.2 

Put our electricians insurance to the test

Our FREE no-obligation insurance health 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 specialist insurer, Covéa, we've developed electrical contractors insurance with you in mind. It's comprehensive, flexible and affordable.


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

  • Loss of customer keys cover up to £50k.

  • Employers liability for temporary employees, 100 man-day limit cover up to £10 million.

  • Professional indemnity cover up to £100,000 collateral warranties added as standard.

  • Corporate manslaughter cover up to £1 million.


  • Efficacy cover of £100,000.


  • Cover for up to 20 manual workers.

  • Standard height limit 20m, and depth restriction 3m.

  • Up to five years no claims bonus.


  • 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 and short-term income protection.

  • Legal expenses.

  • Property all risks.

  • Increased efficacy cover up to £1 million.

The power behind your business

NICEIC Insurance is here to help you with all your business insurance needs – from electrical contractor 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 contractors 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.

Get a quote 01133960346

Related FAQs

See all FAQs

Who is electrician insurance cover available for?

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.

I'm an electrical contractor, what type of insurance do I need?

Precisely what cover you need 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 and professional indemnity – both of which are included as standard (amongst other cover features) in our electrical contractors liability insurance product. 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. For more information, read our quick guide to insurance (https://www.niceic-and-elecsa-insurance.com/news-and-information/a-quick-guide-to-insurance/)

What additional cover can my insurance include?

You can extend your electrical contractors insurance to include a range of optional extras such as employers liability and tools cover to deliver personalised insurance protection to suit your circumstances. We can also arrange other essential insurance covers, from personal accident and income protection to property and vehicle insurance.

Why choose electrical contractor insurance from NICEIC Insurance?

Here at NICEIC Insurance, 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.

What insurance do I need for private rented sector electrical safety work?

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.

How much does electrical contractor insurance cost?

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. At NICEIC Insurance, we have 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.

What insurance does an electrical contractor need?

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, you may want to consider public liability insurance to cover 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. 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. At NICEIC Insurance, 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.

1. https://www.niceic-and-elecsa-insurance.com/news-and-information/niceic-and-elecsa-insurance-services-wins-an-exceptional-service-award/



2. Click here to view our pricing disclaimer.

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

What our customers say

Saved me loads of money, what else can I say?
5 star service, highly recommended.
Quick, professional and cheap!!! Now I am secured – liability, indemnity, legal cost, employer insurance – fully insured. I can sleep well.
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