Electrician’s Insurance

 

Electricians need to make sure they have the right public liability insurance policy before they start working on any clients house or business

NICEIC registered electricians must have public liability insurance or they are not able to join their own trade body.

Electrician insurance provides a wide range of cover for your business.

Public liability insurance – This type of insurance policy cover any claims from customers or other people in contact with your self employed business.

Employers public liability – this covers against claims from employees or sub contractors.

Tools and transit – this cover is to protect against loos or damage to your tools

Professional indemnity service – deals with advice and designing services

What have Electricians Insurance?

The aim of the electricians insurance is to protect the electrician, owner of the business from business closing claims if any of the wrong they undertake does go wrong.

Most insurance policies protect the customers, employees, and of course the electricians equipment.

Other pitfalls that the electrician’s insurance policy should cover are sub contractors, problems with hired plant and business interruption if you work from an office or workshop.

Some electricians multi task and offer plumbing and heating services, so there insurance does need to cover them parts of their business as well.

Most electrician insurance policies are tailored to offer the best protection for your business at an affordable price for your budget.

Electricians public liability insurance should not be chosen on price, with insurance cheapest is not always the best, you have to tailor a quote to your specific business needs.

You should check the electricians insurance policy documents before you buy for exclusions and excess.

You should consider buying insurance for your business van so you can keep your business insurance policies in the same place.

If you work in the commercial sector and provide advice or draw up plans as part of your job, you may need professional indemnity insurance.