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.
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.
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:
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.
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.
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.
*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.
|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|