While public liability insurance isn't a legal requirement, it is strongly recommended for contractors since the nature of the work you do as an electrician brings you into contact with clients and members of the public.
Public liability insurance for NICEIC electrical contractors
Public liability insurance provides protection against claims made by the public that have suffered injury or property damage as a result of your work, business or products supplied.
It protects you against the cost of compensation to be paid out, as well as the legal expenses incurred by the claims process.
Key features and benefits:
Certain limits may apply*
- Corporate manslaughter covered as standard.*
- Cover for up to 20 manual workers.
- Efficacy cover up to £1 million.
- Employers liability cover for temporary employees, 100 man-day limit cover up to £10 million.
- Loss of customer keys cover up to £50,000.
- Professional indemnity cover up to £1 million as standard but unlimited amounts available.
- Public liability cover – £1 million, £2 million, £5 million or £10 million limits available.
- Standard height limit 20m, and depth restriction 2m.
- Up to five years no claims bonus.
Plus, optional covers if required:
- Contract works – with £100,000, £250,000, and £500,000 limits.
- Cover for tools – from £1,500 to £10,000 per claim.
- Goods in transit.*
- Hired plant up to £50,000.
- Increased efficacy cover up to £1 million.
- Legal expenses up to £250,000.
- Own plant up to £50,000.
- Personal accident and short-term income protection.
- Property all risks.*
And, the best bit... Registered NICEIC electrical contractors get 10% off the cost of their insurance through us!
What's covered in our electricians public liability insurance cover?
We’re always transparent about what’s included in our cover. But if you’re not sure what kind of cover you need, our friendly team is always happy to help.
Please note this list is not exhaustive – refer to your full policy documents for details.
What is insured?
- Public liability cover – your NICEIC registration requires you to have a minimum of £2 million. Public liability will protect you should you receive a claim for injury or damage to your customer’s property.
- Professional indemnity standard cover of £300,000 but can be increased up to £1 Million, collateral warranties added as standard. If you are carrying out periodic inspections and issuing EICRs, your NICEIC registration requires you to have cover of a minimum of £250,000. This cover will protect you for any errors or omissions you make.
- Employers liability – a legal requirement if you employ staff, even on a contract basis. This will protect you if an employee becomes ill or is injured as a result of their work.
- Efficacy or ‘failure to perform’ cover will protect you should a product or service fail to perform its intended function.
- Corporate manslaughter – if someone dies as a result of a failure by your business to provide adequate duty of care, you could face an unlimited fine. We can cover up to £5 million (depending on your trade).
- Electrical vehicle charging installation insurance included as standard, at no extra cost.
- Loss of customer keys cover up to £50,000.
- Standard height limit 20m, and depth restriction 2m.
- Up to five years no claims bonus.
Why choose NICEIC Insurance Services for your public liability insurance?
We understand the daily risks you face. We're committed to protecting you and your business should the unthinkable happen.
What working with us gives you:
- We arrange easy access to a specialist insurance scheme specifically for contractors from a UK-based specialist insurance provider.
- A range of options to choose from.
- Advice and support to ensure you get the right level of protection.
- A dedicated claims advocacy service.
- Expert customer advisors to answer all your questions.
- The option to buy online or over the phone.
Our Feefo reviews from contractors speak for themselves...
Some of the five-star reviews talk about how we’ve saved them money, others talk about their improved benefits. Some of our clients simply appreciated the fast and simple approach to buying their insurance*.
That's why NICEIC Insurance Services has been awarded the Feefo 2023 Gold Trusted Service Award for excellence in customer service throughout 2022.
And, the best bit...
Registered NICEIC contractors get 10% off the cost of their electrical contractors insurance!
Frequently asked questions
A
The level of protection you take out depends on the type of risks you face as an electrician. It's 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 or your electrical contractor registration. For example, if it's a commercial contract for a council, they may require a higher level of cover than a domestic job.
For NICEIC registered contractors, a minimum of £2 million worth of public liability insurance is required to meet the obligations; therefore, we arrange public liability cover ranging from £2 million up to £10 million, depending on the trade and insurer.
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How much you pay for public liability insurance cover depends on the nature of your electrician 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 public liability insurance. However, most contractors insurance from NICEIC Insurance Services includes public liability cover as standard, with limits of £2 million and £5 million, or £10 million for selected trades.
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