Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK electricians — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Electrical claims often surface long after the work is done, and a growing share of the job — testing, certification, design — sits outside standard public liability. Here's what's worth checking your cover reflects.
New circuits, consumer unit replacements and electrics in bathrooms are notifiable under Part P of the Building Regulations. If you're not registered with a Competent Person Scheme such as NICEIC or NAPIT, this work needs sign-off by building control — skipping this leaves the work uncertified and can complicate a claim.
If you issue Electrical Installation Condition Reports or carry out periodic inspection and testing, an error in your report or advice is a professional indemnity matter, not public liability. Competent Person Schemes commonly require a minimum level of PI cover for this scope of work.
Electrical faults can take months or years to surface — a wiring fault blamed for a fire long after installation is a classic example. Professional indemnity is usually written on a claims-made basis, so if you stop trading or change insurer, ask about run-off cover to protect against claims made after you've moved on.
Electrical work in bathrooms falls into specific safety zones because of the water risk, and is itself notifiable under Part P. Declaring this as part of your regular work, rather than a one-off, helps make sure your policy reflects how you actually work.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged during your work. Most builders and contractors require you to hold this before starting on site.
Covers your tools against theft from a van or site, and accidental damage. Tool theft is one of the most common claims for tradespeople — check the limit carefully.
Legally required if you employ anyone — including casual workers or labour-only subcontractors you direct on site. Minimum £5 million cover required by law.
Covers work in progress on site against damage from fire, flood, theft or accidental damage before it's handed over to the client. Essential for large or long-running jobs.
Covers owned or hired-in plant and machinery on site — diggers, cherry pickers, compressors and specialist equipment.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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