How Much Does Electricians Insurance Cost?
Electricians insurance typically costs between £8 and £40 per month, depending on the level of cover, the size of your business, and the type of work you do. Here’s what affects the price — and how to get the best value.
Typical Electricians Insurance Costs
Below is a rough guide to monthly costs for UK electricians:
| Type of Cover | Estimated Monthly Cost |
|---|---|
| Public Liability (£2M–£5M) | £8 – £25 |
| Employers’ Liability | £5 – £15 |
| Tools Insurance | £5 – £12 |
| Professional Indemnity | £10 – £30+ |
| Contractors’ All Risks | £15 – £35+ |
| Income Protection | £10 – £25 |
Most electricians choose a combined policy to save money and simplify admin.
What Affects the Cost of Electricians Insurance?
Several factors influence your premium:
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Level of cover – Higher liability limits mean higher costs
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Business type – Sole trader or limited company
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Number of employees – Affects employers’ liability premium
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Commercial vs domestic work – Commercial and high-voltage work costs more
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Claims history – Past claims can push up your premium
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Tool value – The more gear you carry, the more it costs to cover
Can I Get Cheaper Insurance?
Yes — but cheaper isn’t always better. Low-cost policies may:
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Exclude overnight tool cover
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Not include design-related work
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Have higher excesses or slower claims processes
It’s important to choose a policy that reflects how you actually work.
Get a Quote for Electricians Insurance
At ABA Insurance, we help electricians across the UK get tailored insurance at competitive prices.
Need a quote or want to review your current policy?
Call us on 01474 833 322 or get a fast online quote at: www.abainsurance.co.uk/trades-insurance-quote/
