Direct insurers may only have a limited choice of policies or limited cover options. In contrast, a broker usually has access to a panel of insurers so has more choice and can find cover to suit your needs. Using a broker to arrange your insurance may also help reduce your workload and the time it takes you to search for your insurance. We aim to help you get value for money, so we use the strength of our market position to negotiate cover and price with insurers in advance. We do this to help deliver the right product at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so we can recommend a product that suits your needs.
Insurance for contractors working across a wide range of trades.
Protect yourself and your livelihood with the right insurance at the right price.
Your work may cover multiple trades, or perhaps you're more specialist; either way, you need the right tools in your toolbox, including appropriate insurance. Liability insurance for tradesmen protects against the unexpected – cover that's designed for you.
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.
If you become an NICEIC registered electrical contractor, you'll benefit from a 10% discount on the cost of your insurance.
Our comprehensive insurance cover for tradesmen
Working with a specialist insurer, we've developed insurance with you in mind. It's comprehensive, flexible, and affordable. If you prefer to do things yourself, you can quickly and conveniently get a quote and buy online.
And, the best bit...
Registered NICEIC contractors get 10% off the cost of their electrical contractors insurance!
We offer the following:**
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Cover for contract works.
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Cover for loss or damage to tools and office equipment.
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Cover for temporary employees up to 50 days per year.
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Cover for your own plant and hired in plant.
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Employers liability cover of £10 million.
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Free 24 hour business legal helpline.
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Goods in transit.
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Public liability cover limits – £1 million, £2 million or £5 million available.
The power behind your business
NICEIC Insurance Services is here to help you with all your business insurance needs. From tradesman 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 plumbing 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.
Cover is available for tradesmen working in most domestic, commercial, and industrial premises in Great Britain and Northern Ireland, the Channel Islands, and the Isle of Man. Cover is also provided for temporary work in the EU.
*1 https://www.niceic-and-elecsa-insurance.com/news-and-information/niceic-and-elecsa-insurance-services-wins-an-exceptional-service-award/
https://www.feefo.com/en-GB/reviews/niceic-and-elecsa-insurance-services?displayFeedbackType=SERVICE&timeFrame=YEAR
*2 Cover may differ dependent upon insurer. 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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Yes. Simply follow the 'Get A Quote' link, fill out some information about you and your business, and we can generate an online quote tailored to your needs in a matter of minutes.
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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. This will cover the cost of legal fees and compensation if a client alleges a failure in your professional advice. The good news is that professional indemnity cover is included as standard in most of our contractors insurance solutions, designed to provide comprehensive, flexible cover at an affordable price.
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The cost of public liability insurance depends on the nature of your business – its size, claims history, and the types of work you undertake. For that reason, there is no single average cost of public liability insurance, but rest assured that we are here to find you the right cover at the right price and offer competitive cover with limits ranging from £2 to £10 million for selected trades.
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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.
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Professional indemnity insurance protects you and your business in the event of legal claims relating to advice you have provided as part of your work. It steps in to cover the cost of legal defence and compensation if a court finds against you.
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Own plant or hired in plant cover is vital for tradespeople who often use complex plant machinery and equipment. It either covers loss or damage to plant you own or any legal liabilities resulting from loss or damage to plant you have hired in – for instance, compensation due under any hire agreement.
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Legal expenses insurance covers legal costs incurred in defending or pursuing specific kinds of civil legal action. It can cover everything from employee contract disputes, Inland Revenue tax investigations, and bad debt recovery to prosecution defence and action against you related to the Data Protection Act 2018.
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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.
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Registered NICEIC contractors get 10% off their electrical contactors insurance!