Public liability, tools and professional indemnity cover built for electricians, including the £2 million minimum most trade bodies require.
Public liability, tools and professional indemnity cover built for electricians, including the £2 million minimum most trade bodies require.
Tools & van theftCertification workInjury or damage
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Electrician insurance is a combination of covers built around electrical work, public liability for injury or damage, professional indemnity for testing and certification work, and tools cover for the kit you carry. Most trade bodies, including NICEIC, require at least £2 million of public liability cover to register.
If you issue certificates, such as an EICR, you’re confirming an installation is safe, that’s professional advice, and it’s exactly what professional indemnity is for.
Electrician insurance can include:
Public liabilityEmployers’ liabilityTools & equipmentProduct liability (if you supply parts)Business van insurance (separate policy)Legal expenses
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Professional Indemnity
Covers claims that your testing, certification or design advice was negligent.
Business Contents
Protects tools, stock and equipment kept at a workshop or unit.
Tools & Equipment
Covers your tools against theft from the van, site or workshop.
Do you need public liability or professional indemnity?
Do you need public liability or professional indemnity?
Most electricians need both. They cover different kinds of mistake.
Most electricians need both. They cover different kinds of mistake.
| Situation | Public liability | Professional indemnity |
|---|---|---|
You install to someone else’s design or spec | Usually enough on its own | Not the main risk |
You test, inspect or issue a certificate (e.g. EICR) | Required by most trade bodies alongside public liability | This is exactly what it’s for |
Your work damages a client’s property | Covers the physical damage | Won’t cover a wrongly issued certificate |
A certificate you issued turns out to be wrong | Covers the cost of a certification mistake | Doesn’t cover physical damage on its own |
Top Tip
If you only ever install to someone else’s design, public liability usually covers you. The moment you test, inspect or sign off work as safe, professional indemnity becomes essential, most trade bodies require it for exactly this reason.
There’s no fixed price. It depends on the type of electrical work you do, whether you have staff, the value of your tools and your claims history.
Type of electrical work
Domestic rewiring carries different risk to commercial or industrial installation.
Level of cover
£2 million public liability is common; higher limits cost more.
Number of staff
More employees increase your employers’ liability exposure.
Certification work
Issuing EICRs or minor works certificates increases your professional indemnity risk.
Value of your tools
More expensive test equipment means a higher tools cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get electrician insurance
How to get electrician insurance
Getting electrician insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting electrician insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your work
The type of electrical work you do, and whether you have staff.
Choose your covers
Public liability, professional indemnity, tools and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and working
Receive your documents, usually the same day.
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Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Electrician insurance guides
Electrician insurance guides
Practical advice on cover, certification and staying protected on the job.
Practical advice on cover, certification and staying protected on the job.
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Do You Need Electrician Insurance as a Sole Trader or Contractor? Find Out Today
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Electrician insurance FAQs
Electrician insurance FAQs
Straight answers on cover, NICEIC requirements, certification and cost.
Straight answers on cover, NICEIC requirements, certification and cost.
Electrician insurance is a combination of covers built around electrical work: public liability for injury or damage, professional indemnity for testing and certification work, employers’ liability if you have staff, and tools cover for your equipment.
Still have questions?
Our advisers are here to help you find the right solution.
