Electricians Insurance
Tailored cover for your business, tools and clients, with quotes from a specialist tradesman insurance partner.
- Public liability, tool cover and employers' liability in one policy
- Cover can start from a few pounds per month
- One short form, then a specialist contacts you with quotes
Electricians Insurance in short
Electricians insurance is a package of covers built around the risks of electrical work, typically combining public liability, professional indemnity, tool cover, employers' liability, contract works and personal accident cover. You complete one short form and a specialist tradesman insurance partner contacts you with tailored quotes, then you buy direct from your preferred provider.
Key facts
- A typical electrician's policy can include public liability, professional indemnity, tool cover, employers' liability, contract works and personal accident cover.
- Many insurers offer public liability limits of £1M, £2M or £5M, with larger or commercial contracts often needing a higher limit.
- Cover can typically start from as little as a few pounds per month, depending on the covers you choose, your business, equipment and experience.
- Even small domestic jobs can lead to expensive claims, so insurance is still worth having if you only work on homes.
Michael's take
Electricians tend to focus on public liability and stop there, but the questions I'd want answered first are about tools in the van, subcontractors and working at height, because those are the gaps that catch people out. Tell the specialist exactly what work you do, and if you take on larger or commercial jobs, check whether a £1M limit is really enough before the client asks.
What types of cover does an electrician need?
A typical electrician's policy is made up of public liability, professional indemnity, tool cover, employers' liability, contract works and personal accident cover. Not every electrician needs all of them, and if you are unsure which to include, the specialist you speak to can guide you through building a policy tailored to your work.
- Public liability covers claims from clients or members of the public for injury or damage caused by your work.
- Professional indemnity protects you against claims for negligence or errors if you offer advice, designs or reports.
- Tool cover protects valuable items such as drills, testers and power tools.
- Employers' liability covers you if you take on staff or, in some cases, subcontractors.
- Contract works and personal accident cover can also be added.
Electricians insurance is one of the trades covered under our wider tradesmen insurance section.
What level of public liability cover do electricians need?
Many insurers offer public liability limits of £1M, £2M or £5M, and the right level depends on the size and type of work you take on. Larger contracts or working in commercial environments may require a higher limit, and some clients or site managers will set a minimum before letting you start.
| Limit | Typically suited to |
|---|---|
| £1M | Smaller domestic work |
| £2M | A common mid-level option |
| £5M | Larger contracts and commercial environments |
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Does electricians insurance cover tool theft, subcontractors and working at height?
Tool cover can be added to protect items such as drills, testers and power tools, which is especially important if you store them in your van. Subcontractors are not always covered automatically: you will need to inform your insurer, as some cover them as standard while others require specific employers' liability cover or additional disclosures.
Working at height or in confined spaces is covered by default on some policies and excluded on others, so be clear about the types of work you do when you apply. If something is not disclosed, you risk a claim being turned down.
How much does electricians insurance cost?
The amount you pay depends on which covers you include, your business, your equipment, your experience and more. Typically cover can start from as little as a few pounds per month, but a policy with higher public liability limits, employers' liability and tool cover will cost more than basic public liability alone. The best way to see what you would pay is to complete the quote form and speak directly to a specialist about your work.
How do I compare electricians insurance quotes?
You complete one short form with details about you and your business, then a specialist tradesman insurance partner contacts you with tailored quotes. You can discuss which covers you need, compare the options and then purchase your chosen policy direct from your preferred provider. Quote Goat provides access to this comparison service; it does not arrange or sell the insurance itself.
Frequently asked questions
Do electricians need professional indemnity insurance?
Not always, but it can be helpful if you offer advice, designs or reports. Professional indemnity protects you against claims for negligence or errors in your professional services.
Is tool theft covered in electricians insurance?
Tool cover can be added to your policy to protect valuable items such as drills, testers and power tools. It is especially important if you store tools in your van.
Am I covered if I subcontract part of a job?
You will need to inform your insurer. Some cover subcontractors automatically, while others require specific employers' liability cover or additional disclosures.
Will my policy cover working at height or in confined spaces?
Some policies cover this by default, while others exclude it. Be clear about the types of work you do when applying so your policy matches your work.
Do I need insurance if I only work on domestic properties?
Yes. Even small domestic jobs can result in expensive claims if something goes wrong, so public liability cover is still worth having.
Tradesman Insurance for your business
Other pages that may fit your business, and guides on this topic.
Written by Michael Foote, Insurance & Finance Expert
Founder of Quote Goat, with over 20 years' experience in finance and insurance. He has appeared on TV and in Forbes, The Telegraph and The Metro.
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Quote Goat passes your details to a specialist tradesman insurance partner, who will contact you with quotes. This page is general information, not advice. Always check the policy documents to make sure the cover meets your needs.