Insurance for Electricians
Comprehensive insurance solutions for electrical contractors. From domestic rewires to commercial installations, we arrange cover that protects your business against the unique risks of electrical work.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf from a panel of insurers. Policy terms, conditions, and exclusions apply.
Insurance Solutions for Electricians
We arrange a range of insurance products tailored to the specific needs of your trade.
Public Liability Insurance
Essential cover for claims from third parties for injury or property damage arising from your electrical work.
Learn moreProfessional Indemnity
Protection against claims of negligent advice, design errors, or failure to meet professional standards.
Learn moreEmployers' Liability
Legally required cover for injuries to your employees, including electrical shocks and falls.
Learn moreTools & Equipment Cover
Protection for your tools, test equipment, and specialist instruments against theft and damage.
Learn moreContract Works Insurance
Cover for work in progress on larger installations until handover to the client.
Learn moreCommercial Vehicle Insurance
Cover for your van and the tools and materials carried inside.
Learn moreUnderstanding Your Risks
Every trade has unique exposures. Here are the key risks we help electricians protect against.
Electrical Fire Risk
Faulty installations can cause fires, leading to significant property damage claims. Public liability cover is essential.
Electric Shock Injuries
Both you and third parties are at risk of electric shock. Employers' and public liability protect against injury claims.
Design & Specification Errors
Incorrect design or specification of electrical systems can lead to professional negligence claims.
Tool Theft from Vehicles
Electricians' vans are frequently targeted by thieves. Specialist tool cover protects your livelihood.
Damage to Existing Property
Accidental damage to customer property during installations – walls, floors, existing wiring.
Regulatory Non-Compliance
Work not meeting Building Regulations Part P can result in costly remedial work and claims.
Why Choose Specialist Trade Insurance?
Generic business insurance often leaves gaps in cover for trade-specific risks. Specialist policies are designed with your profession in mind.
- Cover for Part P Building Regulations work
- Protection for NICEIC/NAPIT registered contractors
- Professional indemnity for design and specification work
- Tools in transit and on-site cover included
- Cover for work on domestic and commercial premises
- Protection for subcontractor arrangements
Information for Your Quote
- 1Business name and trading address
- 2Number of employees and subcontractors
- 3Annual turnover
- 4Types of work undertaken (domestic/commercial/industrial)
- 5Professional body memberships (NICEIC, NAPIT, etc.)
- 6Maximum contract value
- 7Claims history for the past 5 years
- 8Details of any specialist work (solar, EV chargers, etc.)
Frequently Asked Questions
Do I need insurance to be NICEIC registered?
Does public liability cover electrical fires caused by my work?
What's the difference between public liability and professional indemnity?
Are my tools covered while in my van overnight?
Do I need cover for solar panel and EV charger installations?
Insurance for Other Trades
Ready to Protect Your Business?
Get in touch with our team for a no-obligation quote tailored to your trade.
Monday – Friday, 9:00am – 5:00pm