Electricians Public Liability Insurance

Public liability insurance for NICEIC electrical contractors – protection for your livelihood, peace of mind for you.

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Electricians Public Liability Insurance

Protect yourself and your business from the daily risks of injury and incidents you face as an electrical contractor. The right protection, at the right price.

Even with the most robust risk management processes and site health and safety procedures in place, accidents happen. If these accidents involve customers or members of the public, the consequences on your business can be devastating.
Working with a leading specialist insurer, we have negotiated high quality insurance at a competitive price for you. As an NICEIC electrical contractor, you'll benefit from a 10% discount on the cost of your electricians insurance.


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 public liability insurance for electricians 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 electricians 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 people.

  • 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 give you 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

What is Public Liability Insurance?

Public liability insurance is designed to protect your business if a client or member of the public claims they have been injured or their property damaged because of your business activities. It covers the cost of legal defence, compensation, damages, and any legal expenses incurred by third parties in making a successful legal claim against you. For example, if wiring you installed later caused a fire that damaged a building, and it was then 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?

Public safety and the positive reputation of contractors and tradespeople are an important part of NICEIC registration. If you are a registered contractor, you need a minimum of £2 million cover to meet registration obligations. This amount is included in our electrical contractors insurance cover with Covéa as standard. However, we recommend you check any contracts you undertake and seek specialist insurance advice if more cover is needed. There's no requirement to have public liability insurance in place from a legal perspective, but it's certainly an essential insurance to consider as a responsible contractor. Also, you could be left out of pocket if a claim is made against you and you don't have adequate cover.

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. In contrast, 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.

How much is public liability insurance?

How much you pay for public liability 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 public liability insurance. However, most contractors insurance from NICEIC Insurance includes public liability cover as standard, with limits of £2 million and £5 million, or £10 million for selected trades.

Do subcontractors need public liability insurance?

This will usually be decided by the main contractor, who will set out in contracts governing your work whether you need to take out public liability insurance and at what level. The main contractor will take out public liability insurance to cover the entire project in some cases. Still, it can be a mistake to assume that this cover will defend against all the public liability risks you face as a subcontractor. The good news is that most contractors business insurance policies available from NICEIC Insurance include public liability cover as standard to give you the extra peace of mind that comes from knowing you are adequately protected.

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 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. If you are an NICEIC registered contractor, you need a minimum of £2 million worth of public liability insurance is required in place to meet the obligations; therefore, we offer public liability cover ranging from £2 million up to £10 million, depending on the trade and insurer.

Do I need public liability insurance if I am self-employed?

If you are an NICEIC registered contractor, you need a minimum of £2 million public liability insurance cover to meet the obligations of your registration as public safety and confidence is an important part of the NICEIC badge. £2 million of public liability cover is included in our electrical contractors insurance cover with Covéa as standard. However, higher limits are available for certain trades. From a legal perspective, whether you take out public liability insurance as a self-employed contractor is down to personal choice and your attitude to risk. However, given that this cover is there to protect your finances against legal fees and compensation if a client or member of the public alleges they have suffered injury or property damage as a result of your work, it is a cover that is worth looking closely at.

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.

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