Flexible options to suit your business

We will take the time to understand your business, advising you on your mandatory and optional covers and creating a policy with the appropriate level of protection.

Working with wiring and electrical systems can be a risky business. From the risk of causing injury to a member of the public or causing damage to their property, lost or damaged tools and equipment, on-site accidents and recovering the loss following a fire or flood, through to ensuring your employees and contractors are looked after on the job, Gallagher has a range of electrician insurance options available designed to provide comprehensive cover for electrical contractors and electricians. Helping to protect you, your business and customers if something goes wrong.

What is electrician insurance?

Loose sockets, exposed cables and live wires – the dangers of electricity can be anywhere we look at home or at work. As a skilled professional, these are hazards that you come across all the time. More often than not, you'll complete the installation or repair job and have a happy client on your hands. However, at times things don’t work out as expected.

Generally speaking, standard insurance policies don’t necessarily cover all of the risks and hazards electricians face as they do their job. This is where electrician insurance comes in, covering the technical aspects of your work along with the quality and safety of the end job can be an important safety net for you and your business.

By working with our team of electrician insurance advisers, Gallagher can help you arrange the insurance for your business. We can tailor a policy to reflect the nature of your work or build a packaged solution that covers a range of outcomes. Whether you’re an electrician providing a home service or a commercial contractor involved in a major fit-out projects, talk to Gallagher to arrange your electrician insurance.

What will my electrician insurance cover?

Electrician insurance can span a range of scenarios, and can package together a number of types of insurance to reflect the nature of your work and the types of projects you work on.

Although some covers in an electrician insurance programme may be mandatory (Employers’ Liability), others are optional and recommended to consider. Gallagher provides sole traders and SMEs across the UK with the protection they need – helping them move forward with the built-in confidence that comes from having an insurance solution in place.

Here are some of the main aspects of electrician insurance:

Electrician public liability insurance

In the UK, electricians aren't required by law to have this type of cover. But it's one you should definitely think about. With public liability insurance, electrical contractors have protection if a client or a member of the public suffers accidental injury or damage to their property as a result of your work activity.

We believe having electrician public liability insurance is also a good idea because it offers potential clients peace of mind. Some clients might not even hire you if you don't have this insurance in place.

Employers' liability insurance

Do you have employees on your books or run a small electrician business? If the answer to either of these questions is "yes", employers' liability insurance is a legal requirement to operate in the UK.

It covers you against legal costs or compensation for claims made against you by an employee who falls ill or is injured while working due to your negligence. More importantly, it's a legal necessity. Without it, you could be fined £2,500 each day.

Professional indemnity insurance for electricians

If your client suffers a financial loss or injury due to work you have delivered and your work is at fault, you could be liable to pay compensation or damages. Having professional indemnity insurance for electrical contractors will help you to cover all or some of the legal costs if your customer makes a claim against you. It can cover you if you make a genuine error and the wrong advice is given.

Tool and equipment insurance

As an electrician, it's highly likely you'll own specialist tools and equipment to do your job. If they are stolen or damaged, it could mean you miss out on work, which could hit you in the pocket. And then there’s the cost and time taken to replace them. Tools must be locked securely outside business hours and a single item limit may apply.

By including tool and equipment cover as part of your electrician insurance you have protection in place should the worst happen and you need to work around tools and equipment being out of action.

With a number of choices to make, arranging electrician insurance can be confusing and time consuming. That’s where Gallagher comes in. Let our team help you to structure the insurance you need to do the job. We can offer flexible and tailored options designed to fit your specific needs.

Call 0800 138 7580 today and talk to one of our team or complete a simple online form.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Electrician Insurance

  • Public and employers’ liability insurance
  • Professional indemnity insurance
  • Cover for your tools and equipment
  • Specialist advice and support from a broker who listens

  • Gallagher SME Team