At Electrician Saver, we offer a range of insurance options tailored to the needs of journeyman electricians:
Public Liability Insurance
Public liability insurance protects you against claims made by members of the public for injury or property damage caused by your work. For instance:
- If you accidentally start a fire while working on an electrical system
- If someone trips over your tools or equipment and gets injured
- If you damage a client’s property while installing new wiring
General liability insurance will cover the costs of medical fees and compensation claims.
Professional Liability Insurance (Optional)
Professional indemnity insurance, or errors and omissions insurance, is vital for electricians who provide advice or designs. It covers claims of financial loss resulting from your professional services. This could include:
- Errors in electrical system designs
- Incorrect advice that leads to additional costs for the client
- Failure to complete work to the agreed specification
We offer flexible professional indemnity cover to suit the needs of your business.
Employers’ Liability Insurance (Optional)
If you employ anyone, even temporarily, employers’ liability insurance is a legal requirement in the UK. This coverage protects you if an employee becomes ill or injured due to their work for you. This way, you make sure you’re compliant with regulations while protecting your business.
Tools and Equipment Insurance (Optional)
As a journeyman electrician, your tools are your livelihood. Tools and equipment insurance protects these valuable assets against theft, loss, or damage. This coverage ensures you can quickly replace essential items without significant out-of-pocket expenses. You minimise downtime and keep your business running smoothly.
Personal Accident Insurance (Optional)
The physical nature of electrical work puts you at risk of injuries that could prevent you from working. Personal accident insurance provides financial support if you’re unable to work due to an accident, covering:
- Lost income
- Medical expenses
- Rehabilitation costs
This coverage ensures you can focus on recovery without worrying about financial strain.
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