Public liability
Damage during installation
Short circuits, damaged consumer units or client property damage during electrical work can lead to PL claims.
Trade cover
Electrician Insurance
Electrician cover, quoted in minutes. Your quote depends on trade, turnover and cover levels.
Get a quoteTakes about 5 minutes · No card details to get a quotation · Documents by email
The work
Cover for domestic and commercial electrical work
As an electrician, you know that your work comes with a unique set of risks. That's why you need insurance that can protect you, your equipment, and your clients.
At Tradesman Insurance 4u, we understand the specific risks that electricians face. That's why we offer tailored public liability insurance policies with a variety of additional options to choose from, such as professional indemnity insurance.
Our insurance is fast, quality cover, without the normal hassle. We make it easy to get the coverage you need, with a simple online form that takes just a few minutes to complete. Once you're approved, you can start enjoying the peace of mind that comes with knowing you're protected.
Here are some of the benefits of our electrician insurance:
Get your quote today and find out how much you can save!
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Public liability
Shock or fire allegation
Injury or fire allegations linked to your electrical work are classic third-party exposures.
Employers' liability
Employee or apprentice injury
Employers' liability is required if you employ electricians, mates or apprentices.
On the quote form
Cover you can select
These are the cover options you can build on the form. Your quotation and schedule confirm what applies.
Public liability
The core cover for injury and property damage. Limits from £1m to £10m on our form.
Employers' liability
Legally required if you employ staff, including part-time or temporary workers.
Professional indemnity
For advice, design or consultancy work. Limits from £50,000 to £5m.
Tools and equipment
Optional cover for theft, loss or accidental damage to your kit.
Contract works
Cover for work in progress where the contract makes you responsible for unfinished builds.
Prices start from
£79.95 / year
including IPT
or from £7.45 per month
What electrician cover costs
£79.95 is the lowest price available on our quote form for public liability for electrician. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £7.45 a month. The total you pay by instalments is higher than paying in full.
It is not a typical package and most policies cost more.
Illustrative monthly Direct Debit instalments, subject to eligibility. A deposit applies by card; paying in full costs less.
Quote online in minutes
Select your trade and cover on the form.
1
Select your trade
Choose your trade and tell us how your business is set up.
2
Pick your cover
Add public liability, employers' liability, tools and other options.
3
See your price
Your quotation updates as you select limits and extras.
4
Get your documents
When you buy online, documents are emailed straight away.
A claim we have handled
A settled example from salon and beauty clients. The outcome depended on the cover in force at the time.
Public liability
An electrician replaced a consumer unit and a short circuit damaged the client's appliances.
Public liability responded to the property damage claim.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
Google reviews
5.0 out of 5 from 368 Google reviews
I dealt with Nick today, great experience, very helpful and informative as well as getting me the best price possible. i would highly reccomend using Nick for your insurance needs
matthew borrowdale
a month ago · Google
Very happy to continue with Tradesman Insurance. The contact was very helpful and straightforward in explaining my questions. I found the premium very reasonable in comparison and will continue with them.
Mark Haynes
3 months ago · Google
Nick was great to deal with on the phone. Explained everything, got me the right policy, and was hassle free. Top man
Jamie Davin
3 months ago · Google
Electrician Insurance FAQs
Most electricians start with public liability. Add employers' liability if you have staff, optional tool cover for equipment, and professional indemnity if you give advice or design work. For larger contracting firms, see our electrical contractor insurance page.
It is not a legal requirement for every business, but many clients, sites and contracts expect it. Employers' liability is legally required when you employ staff.
If your work includes advice, plans, specifications or design — not just install and test — professional indemnity can protect you if a client suffers financial loss from an error in that advice. Limits from £50,000 to £5m on our form.
Public liability for electrician starts from £79.95 a year, including Insurance Premium Tax, on our site. £79.95 is the lowest price available on our quote form for this trade. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £7.45 a month, subject to eligibility. Paying in full costs less.
It is not a typical package and most policies cost more.
See your electrician price
Select your trade and limits on the quote form. No obligation.
Get a quoteRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. Tradesman Insurance 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Electrician Insurance
from £79.95 a year or £7.45/month incl. IPT; your price depends on what you select