Why do electricians need insurance?
What insurance is available for electricians?
Tailor your electrician insurance plan to what you need. If you employ members of staff, you’re legally required to purchase employers’ liability insurance. We also provide cyber and data insurance, insurance for sole traders and personal accident insurance.
Some electricians also choose to add business contents insurance, to cover the property inside an office or workshop. Equipment breakdown insurance, meanwhile, can cover tools that stop working due to a mechanical fault.
Not sure what you need? Tell us more about your electrician services business. We’ll help you to build your quote and explore any other insurance needs.
Build my coverInsurance for electricians: FAQS
Do electricians need indemnity insurance?
Professional indemnity insurance is an option for many electricians. While you’re not legally required to purchase indemnity insurance, it can provide financial help if you find yourself facing legal action as a result of negligent advice or services. Some clients may require you to purchase indemnity insurance before you can do electrical work for them.
How much can PL insurance cover an electrician for?
No two businesses are the same, which is why no two covers are the same. How much your public liability insurance covers you for depends on you and what you want for your business. With Hiscox, you can take out up to £10 million in public liability insurance, though many electricians may take out less. Tailor your electrician liability cover to your needs.
Do self-employed electricians need insurance?
Self-employed electricians aren’t always obliged to own insurance. But if you employ staff, you’re legally required to purchase employers’ liability insurance (external link). Some clients may also require you to purchase certain insurance as an electrician. For example, if you’re an electrical contractor the company you’ll be working for might demand a electricians have minimum level of public liability insurance before you start work.
Do I need employers’ liability insurance for sub-contractors?
It’s possible that you might need employers’ liability insurance for sub-contractors, even if they are labourers. When thinking about whether you need employers’ liability insurance for sub-contractors, consider the following – would your sub-contractor be able to hire a sub-contractor of their own if they were unable to do the job? If the answer is yes, you might not need employers’ liability insurance.
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