Electrical Contractor Insurance
Buckingham Insurance is here to help you choose electrical contractor insurance with confidence:
Is electrical contractor insurance essential for my business?
Anyone working as an electrical contractor needs to have electrical contractor insurance. It will protect you against claims from your clients and your staff, and potentially provide essential income should you be injured or become ill. Depending on the cover you choose it could also protect you against business interruption, personal injury and the loss of tools or equipment.
As an electrical contractor you may be legally required to take out certain types of insurance. For example, Electrical Contractor Employers’ Liability Insurance. Clients may contractually oblige you to have Public Liability Insurance up to a certain value too.
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What type and how much electrical contractor insurance do I need?
Only you can decide what type of insurance is right for your contracting business. Typically it could include the following:
Electrical Contractor Employer’s Liability Insurance
If you employ people, even on a part-time or voluntary basis you are legally obliged to take out this insurance. It protects you against any claim made by your staff should they become sick or injured as a result of working for you. You will need a minimum of £5m.
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Electrical Contractor Professional Indemnity Insurance
This is essential for anyone working as a contractor. It protects you against any claim made against you, your work or your business up to a value you specify, for faulty work or poor advice that may have disastrous consequences.
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Electrical Contractor Public Liability Insurance
This will insure you against claims from the public for injury or damage caused as result of your negligence. For example, if a member of the public were to trip on your tools and injure themselves, you would be protected against any claim for damages.
Public Liability Insurance and Employers’ Liability
Although you can buy electrical contractor insurance policies separately, it may be more convenient to choose combined packages. Electrical Contractor Public Liability Insurance and Employers’ Liability is sold together, usually at a more competitive rate.
Get combined Public and Employers Liability quotes now.
This is a package that groups together relevant policies for specific trades and could save you money too. Check policy details and individual premiums before you buy.
Can Buckingham Insurance Consultants find me the right electrical contractor insurance quotes?
Just give us your company details, and we’ll do the hard work for you. Compare electrical contractor insurance quotes today!