Electrician Public Liability Insurance

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Get The Best Electrician Public Liability Insurance Today

Related Link: Electrician Insurance

When enquiring about electrician public liability insurance, we understand the unique risks and challenges electricians face daily.

Whether you’re a solo tradesperson or managing a team, our tailored public liability insurance ensures you have the right coverage to protect your business and livelihood.

What You Get

Liability

Fleet

Plant

Professional Indemnity

Legal

And more…

What is Public Liability Insurance for Electricians?

Public liability insurance offers cover if a person is injured or their property is damaged due to your work. This type of insurance is crucial for electricians, as accidents can lead to significant compensation claims and costly legal fees.

A public liability insurance policy from ABA Insurance helps protect you financially and provides peace of mind that your business is safeguarded against unforeseen incidents.

Do You Need Public Liability Insurance if You’re an Electrician?

UK law doesn’t mandate public liability insurance for electricians or electrical contractors, but it’s highly advisable. As a registered electrician, you comply with safety regulations to protect people from electric shocks and fire, but accidents can still happen.

According to the Health and Safety Executive’s (HSE) report, “Workplace Fatal Injuries in Great Britain 2021,” there were nine fatal injuries due to contact with electricity in 2020-2021. Even experienced electricians can face litigation, making public liability insurance a wise investment.

Why You Should Consider Public Liability Insurance:

Client Requirements

Many clients, including local authorities, require proof of public liability cover before hiring.

Contractor Policies

If you work as an electrical sub-contractor, having your own public liability policy is often essential to get hired by project managers and main contractors.

What Makes Us Different

We are specialists in the Construction Industry. We have the expertise and knowledge to get your business the most comprehensive and competitive insurance solution. We add value to your business by working closely with you, helping protect your business from financial loss, all while delivering a seamless easy experience.

  • Practical

    Work with a single point of contact who is your dedicated account manager

  • Price

    The most competitive price guaranteed including price matching.

  • Value

    We offer support, advice, and a claims service to assist you throughout.

Coverage Included in Electrician Public Liability Insurance

With public liability insurance from ABA Insurance, you’ll receive comprehensive coverage, including:

“X” Amount In Protection

Covering claims for injury or property damage.

Legal Fees and Compensation

Includes solicitors’ fees, expert counsel, and compensation bills.

Optional Extras

Add cover for own plant tools and equipment or legal expenses.

Additional Insurance Coverages for Electricians

While public liability insurance is essential, consider these additional coverages to ensure comprehensive protection:

Employers’ Liability Insurance

If you employ staff or apprentices, Employers’ Liability Insurance is legally required. This cover protects against claims from employees who suffer injury or illness due to their work.

Tools and Equipment Insurance

Electricians’ tools and testing equipment are costly. This cover ensures you can replace lost, stolen, or damaged tools quickly without additional financial strain.

Coverage for Own or Hired Tools: Includes business equipment like laptops and mobiles.

Protection for Accidental Loss, Theft, or Damage: Up to £2000 cover for any stock.

Business Interruption Insurance

If unforeseen circumstances prevent you from operating, this insurance compensates for lost profits while your business is out of action.

Professional Indemnity Insurance

This insurance protects against claims if you make a professional mistake or give faulty advice.

Van Insurance

Essential if you use a van for your business. Covers accidental injuries, vehicle damage, fire, and theft.

How Much Does Electrician Public Liability Insurance Cost?

The cost of your electrician public liability insurance policy depends on several factors, including:

Business Size

Annual turnover and number of employees.

Level of Cover

The amount of coverage you need.

Location

Higher-risk areas may result in higher premiums.

Claims History

Previous insurance claims can affect costs.

Type of Work

High-risk contracts or large-scale projects may increase premiums.

Do Self-Employed Electricians Need Insurance?

Yes, all electricians need insurance, whether self-employed or not. Learn more about self-employed insurance options on our website.

Is Professional Indemnity Insurance Necessary for All Electricians?

If you provide professional advice or design services, then professional indemnity insurance is necessary.

Is Insurance a Legal Requirement for Electricians?

While not all types of insurance are legally required, Employers’ Liability Insurance is mandatory if you have staff. Other coverages like public liability and professional indemnity are strongly recommended to protect your business.

Client Testimonials

I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment

Chris Baker

CEO/ Founder

Your Questions Answered

How do I know what level of cover I require?

Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.

What does Public Liability actually cover?

In short, this covers any damage you cause to any Third Party Property &/or Persons.

What does Professional Indemnity actually cover?

In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.

What is the difference between (BFSC) and (LOSC)?

A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.

What does Contractors All Risk actually cover?

Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).

How can I get a quote from you?

Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.

Who do I contact if I have questions?

If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.

Why should I choose ABA Insurance?

We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.

Who will deal with me at renewal?

The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.

One Point Of Contact, Countless Ways To Help.

Electrician Public Liability Insurance Quote

Get the right Electrician Public Liability Insurance and peace of mind with ABA Insurance. Use our online quote generator to get a personalised quote or contact our expert team for tailored advice.