What Insurance Does an Electrician Need?

Public Liability Insurance

This is the most essential policy for electricians. It covers injury or property damage caused by your work.

Example: You accidentally cause an electrical fault that damages a customer’s appliances — this policy covers the cost to put it right.

• Often required by contractors and clients

• Recommended cover: £2 million or more

Employers’ Liability Insurance

If you employ anyone — even part-time labourers or apprentices — this is a legal requirement in the UK.

Covers: Claims from employees for work-related injuries or illnesses.
Fine for not having it: Up to £2,500 per day.

Tools Insurance

Electrical tools and test equipment are expensive and often stored in vans. Tools insurance covers:

• Theft (including from vans, if specified)

• Loss or accidental damage

• Equipment in transit or on-site

Make sure your policy covers overnight storage if your tools are left in vehicles.

Professional Indemnity Insurance

If you provide design advice, specs, or system layouts, you could be liable if that advice causes a problem later.

Example: You recommend a commercial lighting setup that later fails. If a client suffers financial loss, PI insurance covers legal fees and compensation.

Contractors’ All Risks Insurance

For electricians working on larger installations or full fit-outs, this covers:

• Work in progress

• Materials on-site

• Temporary works (e.g. cabling, trunking, containment)

Useful for electricians involved in construction or renovation projects.

Van Insurance with Business Use

Your van is critical to the job. Ensure your policy includes:

• Business use

• Tool transport

• Optional cover for signage or internal racking

Other Useful Insurance for Electricians

• Income protection – Covers lost earnings if you’re injured and can’t work

• Personal accident cover – Pays a lump sum for serious injuries

Legal expenses insurance – Useful for disputes or tax investigation defence

Get Covered with ABA Insurance

At ABA Insurance, we work with self-employed electricians and electrical firms across the UK. Whether you’re rewiring homes or fitting out commercial sites, we’ve got the right cover for your business.

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/