Question 1

Do I need insurance to be NICEIC registered?

Accepted Answer

Yes, NICEIC and other competent person schemes require you to hold appropriate insurance, typically including public liability (minimum £2m) and professional indemnity cover. We can arrange policies that meet scheme requirements.

Question 2

Does public liability cover electrical fires caused by my work?

Accepted Answer

Yes, public liability insurance covers your legal liability for property damage caused by your work, including fires resulting from faulty installations. This is one of the most important covers for electricians.

Question 3

What's the difference between public liability and professional indemnity?

Accepted Answer

Public liability covers physical injury and property damage. Professional indemnity covers financial losses from professional negligence – for example, if your design doesn

Question 4

Are my tools covered while in my van overnight?

Accepted Answer

Standard van insurance often has limited tool cover. We can arrange specialist policies with higher tool limits and cover for tools left in vehicles overnight, subject to security requirements.

Question 5

Do I need cover for solar panel and EV charger installations?

Accepted Answer

These are typically covered under standard electricians

Electricians Insurance