Electricians Insurance

Electricians Insurance


As a professional electrician, the last thing you want to worry about the possible loss, damage or theft of your tools and equipment, or expensive claims as a result of an employee or member of the public being injured or killed due to your work.

Working in a profession that has poses many risks to both you or other people including working with heat, electrical testing equipment and sharp tools, means you need to have the right insurance to cover you should something go wrong.

Help to manage these risks and keep your business safe with a tailored business insurance package for your electricians business from The Insurance Octopus, ensuring you have all the essential cover you need in one business insurance policy.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Electricians Insurance Policy includes


Public Liability cover

Public Liability cover protects you if one of your customers or member of the public is injured, or their property is damaged because of your work. Electricians liability insurance protects you against the cost of repairs or any legal proceedings that may be filed against you. Standard levels of cover are available from £1m, £2m, £5m with higher levels available upon request subject to insurers terms and conditions.

Employers Liability cover

Employers Liability cover is a legal requirement if you have employees and standard cover is for £10m. Employers Liability insurance covers both you and your staff. As an employer, you do have a legal responsibility to ensure that you have provided a safe and secure workplace for employees and visitors.

Professional Indemnity cover

Professional Indemnity cover is liability insurance cover for your business if you offer advice. If a third party then suffers a loss because of your advice, having a comprehensive professional indemnity cover helps to ensure a claim will not cost you or your business.

Equipment Damage cover

Equipment Damage cover helps you as an electrician protect your tools. Tools are expensive investments that need to be safeguarded should they ever be stolen or damaged. Replacing or repairing your trade equipment can be costly, so you do need to be covered for all eventualities. Tool Insurance can provide comprehensive cover so that you can replace any damaged, lost or stolen items and keep your business running.

All Risk insurance cover

All Risk insurance covers your possessions such as a laptop, tools and mobile phone away from your business premises or home.

Contract Works or Contractors All Risks cover

Contract Works or Contractors All Risks cover will insure your construction works plus materials, should they be damaged or the materials stolen prior to completion. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant. An example of this would be if you are completing an extension and it is damaged or destroyed by fire, you would have to complete the work again. Contract Works cover will provide the protection you need in this instance, and is available as a single one off policy or as a yearly policy.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why you need Electricians Insurance


Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need whilst working including liabilities, full tool and equipment cover. You can also add additional covers and we will endeavour to help you tailor your business insurance policy to the needs of your business.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

One of our Tradesman Insurance Specialists will discuss your business requirements with you and look to compare quotes from major UK insurance providers, ensuring that you get a bespoke policy where you only pay for the cover you need.

Trade insurance options available via our panel of UK brokers covering you for sector specific situations as required. We can provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit.

Get in touch today for a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm