What is electrician insurance?
As an electrician, your job can be pretty dangerous. Whether you work in the resident or industrial sector, when you work with electricity for a living, sometimes you’ll find yourself in for a shock. Your insurance needs to reflect the risks you face on a daily basis – a generic policy just won’t cut it.
Why do you need electrician insurance?
Here at Tradesman Saver, we believe that every business is unique and should be treated as such. We’ve put together our most important covers, relevant to your trade, in one policy, allowing you to build the cover you need from scratch with our online quote form. It’s insurance made simple.
Tradesman Saver’s Public Liability Cover For Electricians
Our standard cover is:
- Up to £5 million cover for public and products liability
- £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 electrician 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 damage a customer’s carpet with your muddy work boots.
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 an electrician 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 an electrician and you can get your quote online in minutes.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Electrician’s Public Liability Insurance
It’s not just the work involved in being an electrician that can be tiring – even trying to find the right insurance to suit you can be an exhausting task in itself. You get bombarded by so many different insurance terms, that in the end, you can often end up more confused than when you started. However, it really isn’t that complicated – the only cover you really need to know about is public liability insurance. So, what is it and what do you need it? Think of public liability insurance like the backbone of your electrician’s insurance policy – it provides protection from claims that arise from injury to a third party or damage to their property, including claims brought forward by either your clients or members of the public. It’ll cover a whole variety of mishaps, including a client tripping over the cord of a power tool, accidental damage to a client’s neighbour’s vehicle and even damage to a client’s expensive carpet as a result of trekking muddy boots into their property. It really is an all-round winner for any electrician looking to protect their business.
As well as residential and commercial electricians, we also offer cover for industrial electricians too – just select the relevant trade that applies to you on our online quote form.
Don’t Let Yourself Be Shocked By An Accident
Trade jobs are, at their core, usually pretty risky anyway. But when you work with electricity and potentially live wires, for a living, you know that risk can be increased tenfold, which is why it’s so important to make sure you have all the cover you need in place to keep you safe. Here are but a couple of situations where having insurance could keep you safe, and save you from getting a nasty shock:
A real live wire
You’ve been working on a job at a client’s house, re-wiring the place. You install a switch in their property, but later find out that the client has been electrocuted – which turns out to be from a faulty switch you installed. This is where your products liability insurance could really help to save the day – through it, your insurer will settle the claim with the injured party, and then chase the manufacturer of the switch to reclaim these losses on your behalf, so the wrong person doesn’t get blamed for something that wasn’t their fault.
The trouble with cables
You’re on a job, re-wiring a property for your client. But, unfortunately, as you’re hard at work, your client accidentally trips over some cables you’ve left out and badly injures themselves. They claim compensation against you for their injury. But, don’t fret – this is the sort of tough situation where your public liability really comes in handy. With it, your insurer will pay the costs of the compensation claim, which means you can spend a little less time worrying about what’s to come, and more time focusing on the future.
Fantastic and very quick thank you
quick easy to set up and good value- was recommended by another tradesman
Easy to get quote & pay, which was good,hopefully won’t find out if they are any good at claims