Electrical Contractors Insurance

Electrical Contractors Insurance Without Shocks

Managing your electrical contractor business no doubt takes a great deal of energy. Making certain that your staff deliver high-quality work and avoid wasted time requires constant attention.

Electrician Insurance Wired Up Correctly

Keep your electrical contractor business’s interests safe with Plan’s effective approach to electrical contractors insurance.

You will benefit from:

  • Competitive premiums from extensive insurer markets
  • Free risk management  health and safety templates, method assessments, business continuity plans and more – included free with your policy
  • Expert advice based on over 30 years experience
  • Multi award-winning customer service

Call us on 0800 954 0778 to speak to one of our specialist advisors or request a call back.


  • Specialist electrical contractors
  • Commercial electrical contractors
  • Domestic electrical contractors
  • Adverse electrical risks
  • Electrical contractors of all sizes
  • New electrical contractor ventures
  • NSI and SSAIB approved installers
  • Electrotechnical engineers


Below we have compiled some commonly asked questions that explain the key features of Electrical Contractors Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.

If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.

As a Electrical Contractor what insurance does my business need legally?

If you have employees or utilise contractors and/or temporary workers it is a legal requirement to take out employers’ liability insurance. This will cover potential claims from employees that may be injured or fall seriously unwell in the course of their work.

The importance of public liability insurance for electrical contracting companies should not be overlooked. This will protect your business if a third party is injured or their property incurs damage due to the fault of your company. Public liability can be arranged at various sum levels. Most often firms require cover between £1 million and £5 million in protection.

Cover will be arranged for the specific requirements of your electrical contractor company. Plan also offer a host of insurance solutions for motor fleet cover that you and your employees will require to drive on UK roads for business purposes.

There are a number of other protections that your firm should consider such as those outlined below. Please ask your account executive for more information.

Employers’ & Public Liability

Goods in Transit

Motor legal cover – Provides assistance to recover uninsured losses such as excess or loss of earnings.

Breakdown cover – your vehicles can be covered in the event of a breakdown, benefits to this cover include:

  • Roadside Assistance
  • Roadside Start
  • 24-hour cover for the whole year (365 days)

Excess Protection – when taking out a policy with Plan, we can offer you excess protection cover as an add on to your policy. If an accident were to happen and there was no responsible third party, then you would be covered by this policy which will reimburse the excess you would pay.

What risk assessment services are available?

As a specialist electrical contractor company you know the  importance of managing multiple risks. Having suitable Electrical Contractors Insurance in place along with correct, up to date health and safety documentation is vitally important. It will help you minimise risk and any liability that could have a huge impact on your company’s reputation and income.

Our advice service aims to help your firm reduce your exposure by avoiding complacency. You’re probably already aware of best practice. We’ll assist with documenting and training it through. Doing so will put you in a very strong position when negotiating with insurers.

We also offer insurance packages that include access to approved online health and safety training for up to a 100 employees. These well priced policies offer incredible value and a convenient method of managing your company’s training requirements.

We offer our electrical contractor business clients bespoke health & safety documents, risk assessments, method statements and much more to help your business prevent avoidable incidents. These additional documents are supplied to you at no extra cost when you take out a policy with Plan.

Our free services includes business continuity templates that can be updated annually. Use them as a guide and keep on top of your business operations. You will also receive regular notifications regarding business legislation changes that are relevant to your electrical contractor firm.

What important details do I need to look out for in my Electrical Contractors Insurance Policy?

Your expert account executive at Plan Insurance Brokers will complete a thorough fact find to understand your company’s requirements. This process will reveal any important elements of cover that need to be arrange to meet the specific needs of your electrical contracting business.

Amongst many other elements your cover will be based on: your electrical contracting company’s specific trade activities, your number of employees, turnover, if you rent or own your premises (if it’s the latter buildings insurance cover may be needed), value of your equipment, where it’s stored, previous claims experience etc.

Your account executive will guide you through the various options available and proceed based on your preference. Once your policy documents are delivered you should still take the time to fully review them. Careful consideration will make sure that you understand any significant exclusions.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Do you cover electrical contractor work at both domestic and commercial properties?

Plan Insurance Brokers work with an open market of leading providers of insurance for electrical contractors. They offer electrical contractors insurance for domestic as well as commercial work at industrial premises.  Your company may wish to mix its trading activity between the two. Your policy will simply be amended to insure your firm is covered for this activity . Provisions can also be made to protect your electrical contracting company if it wishes to accept contracts to work in higher risk commercial settings such as airports and listed buildings.

Are both labour-only sub-contractors and PAYE staff covered by our electrical contractor firm’s employer’s liability policy?

Cover will be in place for both worker statuses under your electrical contractor company’s employers’ liability policy. Although, it’s vital that you accurately state the nature of your electrician’s employment. This declaration informs how the risk presented by your business risks is evaluated and in turn an appropriate premium is worked out.

What specific risks does Electrical Contractors insurance cover?

Amongst standard covers offered to other allied trades electrical contractor insurance can provide protection against damage and potential injury caused to third parties during the course of or as a result of your company’s work.

Tailored electrical contractors insurance policies should of course be extended to cover risks connected to your firms working requirements. Given the potential consequences of your activities as an electrical contractor it may be worth considering taking out cover for defective workmanship. This will cover bodily injury or damages third parties resulting from defective work by your business. Only the consequences of poor workmanship is covered, not the cost of redoing the work.

Electrical contractors liability and electrical contract works insurance requires specific knowledge of the elements of cover your business requires. Our strong trading relationships with specialist multiple electrical contractor insurers will provide your company with the appropriate cover available.

With over 30 years’ experience of arranging electrical contractor’s insurance, Plan Insurance Brokers have the required knowledge to understand your business’s insurance needs.

As electrical contractors can my firm pay for its insurance in monthly instalments?

An affordable direct debit facility should be available for your electrical contracting company to spread its insurance payments into multiple instalments. Please ask your account executive for more information.

What type of electrical contract work can your insurance policies cover?

Electrical contractors insurance can be arranged to cover electrical contract works activity carried out at a wide variety of property types.

Will Electrical Contractor Insurance include cover for my equipment?

Cover can be arranged for your electrician’s equipment up to a set value based on your preference. This will include protection for your poles, boards and other equipment such as tools and specified items. Certain security stipulations may be required. Though policies can also be arranged to include cover for your goods whilst stored in a yard, even when kept in the open with some insurers.

What is incidental efficacy cover for electrical engineers and contractors?

Incidental efficacy can protect electrical engineers and contractors if a product or service they provide doesn’t perform as expected. It is worth discussing the cover limits, restrictions and exclusions that may apply.

Will my electrical contracting business be covered for undertaking Phase 3 work?

An electrical contractors policy will be arranged that provides cover for your qualified electrical engineers to complete all Phase 3 work as requested and required.

Is contractors all-risks insurance available for electrical contractors?

All-risks cover is available as part of an electrical contractors insurance policy. This provides cover against multiple risks and loss or damage to assets such as equipment and tools including hired plant as well as liabilities arising from multiple incident types. Detailed information regarding your options and potential exclusions will be provided by your account executive during the process of arranging policy cover. A notable exclusion is often any loss that results from gradual deterioration (such as expected wear and tear) over time.

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