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PAT Testing Insurance

Public liability insurance for a PAT tester starting at less than £54* per year

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What is PAT testers insurance?

The life of a PAT tester is never a dull one. Whether you work solo, or own your own PAT testing business, every new job brings about a new set of risks to face, so getting proper insurance is paramount. But not just any insurance policy will do – no, you need one specifically geared towards your trade.

Why do you need PAT testers insurance?

At Tradesman Saver, we have designed a policy to meet the needs of PAT Testers. We’ve put all the necessary covers together in one neat policy – all you have to do is customise it to your requirements with our online quote form. Trust us, it’ll be the best decision you’ve ever made.

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How our pat testing insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

Tradesman Saver’s Public Liability Cover For PAT testers


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your PAT testers business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally knock a customer’s laptop off the desk while you are testing it damaging the hard drive and cracking the screen.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a PAT testers business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as a PAT tester and you can get your quote online in minutes.

Get a Quote  Learn about Public Liability

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Why PAT Testers Need Insurance!

As a careful, well trained PAT tester you won’t need insurance will you?  Think again!  Many customers think it won’t happen to them but when it does, they are grateful of expert protection to ensure their business is not affected.  Take a look at the two examples below of where our PAT Testing insurance can save the day:

 

Shocking Public Injury!

You’re testing a plug for a computer in an office. You deem it is safe and give your seal of approval, but unfortunately when an office worker later goes to plug it in, they receive a nasty electric shock. They then file a compensation claim against you for their injury. This is why public liability insurance is so important – with it, your insurer will pay out the costs of the compensation for you, so you don’t end up having to pay it all from your own pocket.

Shocking Employee Injury! 

One of your employees is fixing a light socket on a ladder you have provided for them to use.  The ladder is old and unstable and the employee falls to the floor, breaking his arm and is now unable to work for 6 weeks.  The employee claims compensation from you for negligence in failing to provide safe equipment to use. Your employer’s liability insurance will take care of this for you – it will cover the costs of the compensation claim, allowing your business to continue its activities unimpeded.

Similar Trades We Cover

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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