Insurance for electricians and electrical contractors
Your work requires significant attention to detail and provides people with everyday amenities that are often taken for granted. We know that there are many risks associated with your profession, so electrical contractors insurance must be top of your list to protect the business you’ve worked so hard to build. We can arrange electrician insurance that protects your individual needs to ensure you can focus on what really matters – your business.
Covers for electricians
Public liability insurance for electricians
From shocks to short circuits, public liability insurance can protect your livelihood against unexpected events that could impact your business financially. Without the right insurance in place, you may be personally liable for anything that goes wrong. As careful as you may be, accidents can happen when you least expect, so having the right cover in place is essential for your business continuity.
Public liability insurance can protect you against accidental injury and unintentional damage to 3rd party property. For instance, if a client tripped over tools, your public liability insurance would cover the medical and legal costs associated as well as any claims for compensation.
Electricians Employers' Liability cover
Employers' liability insurance is designed to take care of any claims involving your employees if they suffered an injury at work. For instance, if an employee fell off a ladder and sustained an injury, they may be entitled to compensation; employers' liability insurance would take care of this for you, and fulfil your legal obligation to protect your staff during work.
Commercial legal protection for electricians
Commercial legal expenses can protect you against employment disputes, commercial tenancy disputes, tax and VAT appeals, as well as provide allowance if you or your employees are summoned for jury service.
Additional covers for electrical contractors
You may also wish to include your tools and equipment cover as part of your electrical contractors' insurance for more comprehensive protection. If you have an office or lock-up unit to store your equipment and goods, then this can be included within your insurance policy to cover your buildings, contents, computers and stock, alongside business interruption cover to protect your income should you suffer damage at your premises meaning you are unable to trade. With varying levels of cover available, you can select the cover that’s most relevant to you meaning you only pay for the cover you need. Just give us a call for advice on the covers you may need.
You might want to think of adding personal accident cover to your electrician insurance, so if you as the business owner injured yourself at work, you won’t be out of pocket while you get back up and running. Being self-employed comes with many benefits; but what if something happened meaning you were unable to work? Personal accident cover can provide a weekly allowance to tide you over while you get better.
Compare electrician insurance quotes with Premierline
We have many years’ experience arranging electricians insurance, and really understand the importance of insurance and the covers that are most relevant to you. We make arranging your cover simple and hassle-free.