What is public liability insurance for electricians?

Public liability insurance covers you and your electrical business against injury or property damage caused to third parties, including clients and members of the public. This includes injury or damage caused by the products you supply.

This type of insurance does not cover injury or damage to yourself and tools or materials you are about to use. For those things you will need additional insurance cover for electricians.

Public liability cover for electricians starts from £1m  up to £5m and the amount of coverage you need depends on the environment you work in and what you are working with. The riskier the work the higher the premium you will have to pay.

 

Why do I need public liability insurance as an electrician?

Even the most conscientious electrician will make a mistake and if your clients are sharing your workspace you will be very aware of the additional danger they can create. Accidents do happen and you should make sure that the client's health and property are covered by anything you have fixed or installed going wrong.

Public liability insurance is not mandatory in the UK for electricians but you might be taken to court by a client if your work has damaged them or their property and this insurance will help to pay for legal fees and damages. 

Reputable trade bodies in the UK will not register a new member unless they have the required public liability insurance. 

 

How much does public liability insurance for an electrician cost?

Public liability insurance for electricians is relatively cheap, costing from as little as £5 a month depending on the amount of coverage you want to insure for, the size of your business and the risk associated with your work. 

If you have secondary trades like heating and plumbing the premium will probably be higher because you are using more tools and creating more risk. 

Insurance companies can offer electricians “insurance bundles” which will also cover other types of insurance including:

  • Employers liability insurance - A legal requirement if you have employees
  • Tools and business equipment insurance - cover damaged, lost and stolen tools
  • Personal accident cover - Insure yourself or you employees against injury or death
  • Stock cover - insure your stock against theft and damage
  • Contract insurance - making sure you are covered in project based contract work where control is sometimes out of your hands.

 

Example of a public liability claim for an electrician

A fire was caused by the incorrect installation of downlights in a property where the downlights were not isolated from the loft insulation. Due to heat generated by the lights the insulation in the loft caught fire which spread to the neighbours property and caused extensive damage. The neighbour suffered from smoke inhalation and both families had to live in a hotel for an extensive period until the properties were repaired.

This is the kind of claim that would be attributed to public liability. You will be taken to court where the client and neighbour would try to recoup significant damages.

 

How do electricians get public liability insurance?

You can quickly protect your electrical business and your clients from injury and damage by completing an online form where you will be asked the following questions.

  • Are you trading as an electrician?
  • What are your secondary trades, if any?
  • What types of environments do you work in? 
  • Do you work in residential, commercial or both?
  • What part of the UK do you work in?
  • Are you a sole trader, partnership or Ltd? 
  • How many years experience do you have running a business as an electrician?

From this basic information our partners at Quotezone will be able to find the cheapest and most comprehensive public liability insurance quotes for electricians in your area. 

Get quotes

*The estimations provided on this webpage are independently provided by HaMuch Ltd. Prices are not guaranteed and quotes may vary when using the comparison system based on individual circumstances.


Estimates for common electrician jobs;

Job Estimate
Cost to troubleshoot and diagnose an electrical fault £95
Cost to rewire a single room or circuit £1000
Cost to rewire a house or flat £6250
Cost to replace a consumer unit £400
Cost to do a PAT test £60
Cost of public liability insurance for electricians £5.00 per month
Cost to install solar panels £7500
Cost to installing an electric shower £450
Cost to install downlights in a room £440
Cost to install CCTV cameras £740
Cost to install a bathroom extractor fan £220
Cost to install or fix a light switches £50
Cost to repair or install an electric hob (or an induction hob) £85
Cost to install or fix a light fitting fixture £90
Cost to fit an electric towel rail £75
Cost to fit an new plug socket £180
Cost to install an electric vehicle charger £400
Cost of an EICR test £150
Cost to install of a cooker hood £260
Repair of a cooker hood £150

Rates for other trades

Public liability insurance for electricians estimated cost per month
Public liability insurance for electricians approximate cost in the UK per month
Location in UKPublic liability insurance for electricians cost
Public liability insurance for electricians near Aberdeen£5.30
Public liability insurance for electricians near Amber Valley£5.15
Public liability insurance for electricians near Angus£4.85
Public liability insurance for electricians near Arun£5.30
Public liability insurance for electricians near Ashfield£5.30
Public liability insurance for electricians near Aylesbury Vale£5.81
Public liability insurance for electricians near Barnsley£5.30
Public liability insurance for electricians near Basildon£5.96
Public liability insurance for electricians near Basingstoke & Deane£6.04
Public liability insurance for electricians near Bassetlaw£5.22
Public liability insurance for electricians near Bath & North East Somerset£5.59
Public liability insurance for electricians near Bedford£5.96
Public liability insurance for electricians near Belfast£4.63
Public liability insurance for electricians near Birmingham£5.37
Public liability insurance for electricians near Blackburn£5.37
Public liability insurance for electricians near Blackpool£5.37
Public liability insurance for electricians near Bolton£5.37
Public liability insurance for electricians near Bournemouth£5.37
Public liability insurance for electricians near Bracknell Forest£6.19
Public liability insurance for electricians near Bradford£5.44
Public liability insurance for electricians near Braintree£5.74
Public liability insurance for electricians near Breckland£5.67
Public liability insurance for electricians near Bridgend£5.37
Public liability insurance for electricians near Brighton£6.04
Public liability insurance for electricians near Bristol£5.52
Public liability insurance for electricians near Broadland£5.59
Public liability insurance for electricians near Broxtowe£5.30
Public liability insurance for electricians near Bury£5.37
Public liability insurance for electricians near Caerphilly£5.15
Public liability insurance for electricians near Calderdale£5.22
Public liability insurance for electricians near Cambridge£5.81
Public liability insurance for electricians near Canterbury£5.30
Public liability insurance for electricians near Cardiff£5.22
Public liability insurance for electricians near Carmarthenshire£5.22
Public liability insurance for electricians near Charnwood£5.30
Public liability insurance for electricians near Chelmsford£5.96
Public liability insurance for electricians near Cheltenham£5.37
Public liability insurance for electricians near Cherwell£5.59
Public liability insurance for electricians near Chester£5.22
Public liability insurance for electricians near Colchester£5.52
Public liability insurance for electricians near Conway£7.44
Public liability insurance for electricians near Coventry£5.44
Public liability insurance for electricians near Crewe & Nantwich£5.22
Public liability insurance for electricians near Dacorum£6.26
Public liability insurance for electricians near Derby£5.15
Public liability insurance for electricians near Doncaster£5.15
Public liability insurance for electricians near Dover£5.22
Public liability insurance for electricians near Dudley£5.37
Public liability insurance for electricians near Dumfries & Galloway£5.22
Public liability insurance for electricians near Dundee£5.30
Public liability insurance for electricians near East Ayrshire£5.07
Public liability insurance for electricians near East Devon£5.30
Public liability insurance for electricians near East Dunbartonshire£5.52
Public liability insurance for electricians near East Hampshire£5.52
Public liability insurance for electricians near East Hertfordshire£5.89
Public liability insurance for electricians near East Lindsey£4.56
Public liability insurance for electricians near East Riding£5.22
Public liability insurance for electricians near Eastleigh£5.81
Public liability insurance for electricians near Edinburgh£5.59
Public liability insurance for electricians near Elmbridge£6.63
Public liability insurance for electricians near Epping Forest£6.48
Public liability insurance for electricians near Erewash£5.30
Public liability insurance for electricians near Exeter£5.15
Public liability insurance for electricians near Falkirk£5.59
Public liability insurance for electricians near Fife£5.22
Public liability insurance for electricians near Flintshire£5.07
Public liability insurance for electricians near Gateshead£5.44
Public liability insurance for electricians near Gedling£5.30
Public liability insurance for electricians near Glasgow£5.44
Public liability insurance for electricians near Gloucester£5.22
Public liability insurance for electricians near Guildford£6.04
Public liability insurance for electricians near Gwynedd£5.81
Public liability insurance for electricians near Halton£5.30
Public liability insurance for electricians near Harrogate£5.30
Public liability insurance for electricians near Havant & Waterloo£5.59
Public liability insurance for electricians near Horsham£6.11
Public liability insurance for electricians near Huntingdonshire£5.67
Public liability insurance for electricians near Ipswich£5.30
Public liability insurance for electricians near Isle of Wight£5.89
Public liability insurance for electricians near Kings Lynn & West Norfolk£5.30
Public liability insurance for electricians near Kingston-upon-Hull£5.15
Public liability insurance for electricians near Kirklees£5.22
Public liability insurance for electricians near Knowsley£5.37
Public liability insurance for electricians near Lancaster£5.30
Public liability insurance for electricians near Leeds£5.44
Public liability insurance for electricians near Leicester£5.81
Public liability insurance for electricians near Lisburn£4.63
Public liability insurance for electricians near Liverpool£5.37
Public liability insurance for electricians near London£6.56
Public liability insurance for electricians near Luton£6.11
Public liability insurance for electricians near Macclesfield£5.44
Public liability insurance for electricians near Maidstone£6.11
Public liability insurance for electricians near Manchester£5.37
Public liability insurance for electricians near Mid Bedfordshire£5.89
Public liability insurance for electricians near Mid Sussex£5.96
Public liability insurance for electricians near Middlesbrough£5.30
Public liability insurance for electricians near Milton Keynes£5.74
Public liability insurance for electricians near Neath Port Talbot£5.30
Public liability insurance for electricians near New Forest£5.67
Public liability insurance for electricians near Newbury£5.96
Public liability insurance for electricians near Newcastle-under-Lyme£5.00
Public liability insurance for electricians near Newcastle-upon-Tyne£5.37
Public liability insurance for electricians near Newport£5.22
Public liability insurance for electricians near North Ayrshire£5.30
Public liability insurance for electricians near North East Lincolnshire£5.00
Public liability insurance for electricians near North Hertfordshire£5.96
Public liability insurance for electricians near North Lanarkshire£5.44
Public liability insurance for electricians near North Lincolnshire£5.22
Public liability insurance for electricians near North Somerset£5.44
Public liability insurance for electricians near North Tyneside£5.37
Public liability insurance for electricians near North Wiltshire£5.96
Public liability insurance for electricians near Northampton£5.81
Public liability insurance for electricians near Norwich£5.74
Public liability insurance for electricians near Nottingham£5.30
Public liability insurance for electricians near Nuneaton & Bedworth£5.74
Public liability insurance for electricians near Oldham£5.37
Public liability insurance for electricians near Oxford£5.74
Public liability insurance for electricians near Pembrokeshire£4.85
Public liability insurance for electricians near Perth & Kinross£5.52
Public liability insurance for electricians near Peterborough£5.15
Public liability insurance for electricians near Plymouth£5.30
Public liability insurance for electricians near Poole£5.44
Public liability insurance for electricians near Portsmouth£5.81
Public liability insurance for electricians near Powys£5.30
Public liability insurance for electricians near Preston£5.37
Public liability insurance for electricians near Reading£6.04
Public liability insurance for electricians near Redcar & Cleveland£5.37
Public liability insurance for electricians near Reigate & Banstead£6.56
Public liability insurance for electricians near Renfrewshire£5.44
Public liability insurance for electricians near Rhondda, Cynon, Taff£5.37
Public liability insurance for electricians near Rochdale£5.37
Public liability insurance for electricians near Rotherham£5.00
Public liability insurance for electricians near Salford£5.37
Public liability insurance for electricians near Salisbury£5.22
Public liability insurance for electricians near Sandwell£5.37
Public liability insurance for electricians near Scarborough£5.07
Public liability insurance for electricians near Sefton£5.37
Public liability insurance for electricians near Sevenoaks£6.19
Public liability insurance for electricians near Sheffield£5.00
Public liability insurance for electricians near Slough£6.26
Public liability insurance for electricians near Solihull£5.44
Public liability insurance for electricians near South Ayrshire£5.30
Public liability insurance for electricians near South Bedfordshire£5.96
Public liability insurance for electricians near South Cambridgeshire£5.81
Public liability insurance for electricians near South Gloucestershire£5.59
Public liability insurance for electricians near South Kesteven£5.74
Public liability insurance for electricians near South Lanarkshire£5.37
Public liability insurance for electricians near South Oxfordshire£5.96
Public liability insurance for electricians near South Somerset£5.52
Public liability insurance for electricians near South Tyneside£5.37
Public liability insurance for electricians near Southampton£5.81
Public liability insurance for electricians near Southend-on-Sea£5.89
Public liability insurance for electricians near St Albans£6.26
Public liability insurance for electricians near St Helens£5.30
Public liability insurance for electricians near Stafford£5.15
Public liability insurance for electricians near Stockport£5.37
Public liability insurance for electricians near Stockton-on-Tees£5.30
Public liability insurance for electricians near Stoke-on-Trent£5.07
Public liability insurance for electricians near Stratford-on-Avon£5.44
Public liability insurance for electricians near Stroud£5.22
Public liability insurance for electricians near Suffolk Coastal£5.37
Public liability insurance for electricians near Sunderland£5.37
Public liability insurance for electricians near Swale£5.74
Public liability insurance for electricians near Swansea£5.22
Public liability insurance for electricians near Tameside£5.37
Public liability insurance for electricians near Teignbridge£5.07
Public liability insurance for electricians near Tendring£5.37
Public liability insurance for electricians near Test Valley£5.37
Public liability insurance for electricians near Thamesdown£5.81
Public liability insurance for electricians near Thanet£5.15
Public liability insurance for electricians near The Wrekin£5.07
Public liability insurance for electricians near Thurrock£6.19
Public liability insurance for electricians near Torbay£5.07
Public liability insurance for electricians near Trafford£5.44
Public liability insurance for electricians near Vale of Glamorgan£5.44
Public liability insurance for electricians near Vale of White Horse£5.67
Public liability insurance for electricians near Vale Royal£5.15
Public liability insurance for electricians near Wakefield£5.37
Public liability insurance for electricians near Walsall£5.37
Public liability insurance for electricians near Warrington£5.37
Public liability insurance for electricians near Warwick£5.44
Public liability insurance for electricians near Waveney£5.30
Public liability insurance for electricians near Waverley£6.04
Public liability insurance for electricians near Wealden£6.70
Public liability insurance for electricians near West Lancashire£5.30
Public liability insurance for electricians near West Lothian£5.44
Public liability insurance for electricians near West Wiltshire£5.96
Public liability insurance for electricians near Wigan£5.22
Public liability insurance for electricians near Windsor & Maidenhead£6.26
Public liability insurance for electricians near Wirral£5.44
Public liability insurance for electricians near Wokingham£6.11
Public liability insurance for electricians near Wolverhampton£5.37
Public liability insurance for electricians near Wrexham Maelor£5.00
Public liability insurance for electricians near Wychavon£5.37
Public liability insurance for electricians near Wycombe£6.04
Public liability insurance for electricians near York£5.07