Electrician Insurance

Why choose Howden for Electrician Insurance?

Our team knows how difficult and stressful it can be for tradesmen to find the insurance policies they need, and that’s why we do our best to do the heavy lifting instead, so you don’t have to. Thanks to the brilliant relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various different electrician insurance options, on your behalf, simple and straightforward.

Here at Howden, we understand that each electricians' insurance policy needs to be unique and tailored to each owner and their carpentry business. That’s why we provide personalised services to our clients, which focuses on getting to know you and your business better, whilst also learning more about what you want from your electricians' insurance policy.

So, what are you waiting for? Whether you need to make a claim, purchase a new electrician insurance policy, or renew an existing one, just know that we’re always here to help.

Benefits of working with Howden:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

Business insurance for electricians

We know how important it is for business owners to have the right insurance in place, and for electrical contractors, this is no different. The day-to-day jobs that electricians do, repairing, maintaining or installing electrical devices across homes, retail shops and offices, come with their fair share of risks, and this makes it so crucial that they have the right cover.

With Howden, you can pick and choose from a wide range of different cover types and build an insurance package that works best for you.

You’re also always more than welcome to visit our team in branch or give us a call to discuss your insurance requirements too! You can help us get a better understanding of your business, whilst we can give you all the information you need around the various insurance products that we can offer to electricians.  

Do electricians need insurance?

Yes! Electricians should absolutely get business insurance policies in place, particularly public liability insurance, to protect themselves and their business from the consequences of being liable in the event that something unfortunate happens.

Whilst public liability and professional indemnity insurance aren’t legally required, having these two policies is worthwhile for electricians, because of the protection and stability they offer to businesses. There’s also employers’ liability insurance, which is a legal requirement for any electricians that have employees.

What insurance do electricians need?

We’d certainly recommend to any electrician that they make sure that they get public liability insurance cover, as a must-have insurance product. But, we also wouldn’t recommend that you limit yourself to just one type of cover, because there’re several different electrical contractors' insurance available that can provide protection on different levels.

Take a look at the different insurance options we can help source for you:

Van insurance for electricians

Keep the wheels turning on your business with our specialist van insurance cover.

Public liability insurance

Public liability insurance is a must-have cover for commercial electricians, protecting them from compensation claims that stem from property damage or accidental injuries.

Employers’ liability insurance

Do your business employ people? Employer's Liability insurance is an essential policy and legal requirement if you employ staff, to protect yourself from any claims they make against you.

Tools insurance

Tools insurance is really straightforward - it provides cover if your tools are lost, stolen or damaged, offering replacements if necessary.

Hired-in plant insurance

An electrical contractor might need hired in plant insurance if they've hired larger and expensive machinery from another provider, so they can financially protect themselves if it gets damaged or needs replacing.

Legal expenses insurance

A compensation claim can rack up legal costs, which could be financially detrimental for your business. Legal expenses cover can help keep you financial covered.

Contractors' all risks insurance

Also known as Contract Works insurance, this cover provides comprehensive protection whilst you're working on site.

Personal accident insurance

Accidents can happen. Protect your income in the event that you or someone covered under your policy gets hurt.

Professional indemnity insurance for electricians

What if your business offers the wrong advice? Professional indemnity cover is on hand to minimise the impacts of legal action launched against you.

Business equipment insurance

Business equipment cover does what it says on the tin - it protects you if your valuable tools and equipment were to be stolen or damaged.

If you're interested in any of these optional extras or additional cover types, and want to find out more about how they can help large or small businesses, don't hesitate to get in touch with a member of our specialist team who can help you build an electricians' insurance package that makes the most sense for you.

Electrician public liability insurance cover - how does it work?

Of all the different types of electrician insurance, public liability insurance is the cover that’s most commonly bought by electrical contractors.

Public liability insurance for electricians is designed to offer cover in the event that a property is damaged, or someone is accidental injured, whether that be a client or a member of the public as a result of your work. Maybe some of the electrical work you're doing on live wires causes some damage to a customer's house? Or maybe you unintentionally left some tools out which a client trips over, resulting in an accidental injury?

Ultimately, anything can happen at any given time, and public liability insurance is there to protect you from claims that people make when they want compensation following accidents or mistakes your business make. Having to pay compensation and the legal fees that come with defending your business can rack up expenses, but public liability cover is available to prevent overwhelming financial loss.

How much does electricians' insurance cost?

Insurance premiums for electricians’ policies can vary greatly, depending on several factors. Factors affecting cost include:

• The type and level of the cover you’re after
• Where you’re located
• The size of your business (in terms of annual turnover, the business premises, and the number of employees you have)
• The policy excess you commit to
• Whether you're paying monthly or upfront
• Your claims history

Ultimately, the best way to find out how much your policy would cost, is to get an electrician insurance quote. Get in touch with us today and we can immediately get started with helping you find a electricians’ policy that not only meets your requirements, but also doesn’t exceed your budget.

We can do this by comparing quotes from leading, specialist business insurance providers, all of which are determined to help our clients get their hands on a policy that they’re happy with.

Who do we also insure?

Not only can we help carpenters, but we can also offer cover for a wide range of other tradesmen, such as:

• Bricklayers
• Builders
• Carpenters
• Car Valets
• Cleaners
• Contractors All-Risk
• Contractors
• Gardeners & Landscapers
• Gas Engineers
• Handymen
• Limited Companies
• Market Traders
• Mechanics
• Painters and Decorators
• Plumbers
• Roofers
• Sole Traders
• Subcontractors
• Tradesmen
• Tree Surgeons
• Window Cleaners

Related Articles

Want to learn more about electrician insurance? Have a read of the articles below that you can find on the Howden Blog!

• Tools stolen every 15 minutes – latest cost to the trade revealed
• How to go Self-employed: Your Complete Guide
• All you need to know about the Public Liability Insurance Certificate