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Business Insurance For Electrical Contractors

Specialists in the Electrical Industry, Moneycornershop.com has a panel of insurers that offers superb financial security. We have access to some of the most competitive Electrical Contractor rates in the UK.

We understand the needs of contractors and have developed a strong relationships with Insurers to ensure our customers have their special requirements met.

Each policy is designed to meet the particular needs of the individual electrician. In view of our in-depth knowledge of the Industry, we are able to offer advice on all Insurance related matters, We can arrange covers for Domestic, Commercial and Industrial contractors as well as more specialist covers for Alarm works, Financial Losses and Testing and Certification Cover, efficacy cover.

Design & Build Your Policy

  • Public/Products Liability
    Accidental bodily injury to any customer, third party and/or damage to property arising during the course of the company’s business up to a specified limit e.g. caused by electrical installations, use of tools and equipment.
  • Employers Liability
    You are required to effect this cover by law. It protects your legal liability in respect of accidental death, bodily injury or disease to employees arising out of and in course of his or her employment. Insurance is provided for all types of electrical work undertaken and any other supplementary work carried out including building work.
  • Professional Indemnity
    Errors and omissions in connection with advice, design or specification where such is provided or performed separately for a fee or under a separate contract.
  • Defective Workmanship
    This extension provides cover for Legal Liability in relation to costs of rectifying defective work or defective products where such work or products has
    caused bodily injury to any person other than an employee or damage to third party property.
  • Financial Loss
    Cover for pecuniary loss or expenses sustained by a customer arising from their business activities e.g. cancellation of an event due to faulty wiring

When you’re putting together your trade or construction insurance policy, your core cover is going to be public liability insurance. It covers you if anyone claims compensation from your business because they’ve been injured or their property’s been damaged. For example if you leave your tools out while you’re working at a customer’s house and they trip over them and suffer an injury, or if you’re working on site and accidentally drop a brick that damages a car parked below, you could face a compensation claim. In these scenarios your public liability insurance could pay the legal fees and compensation costs, up to the limit of your policy. We offer up to £10 million of cover.

You can also cover your tools in case they’re stolen or damaged by buying tools insurance, and you can add buildings insurance if you have a business premises. Don’t forget that employers’ liability insurance is usually a must-have if you’ve got any employees.

  • Efficacy

Policies covers your legal responsibility for loss or damage to property arising from the failure of an intruder or fire alarm, CCTV, door entry system or
other security equipment to fulfil its intended function e.g. alleged failure of system during theft from customer’s premises.

  • Contractor all Risks

The Contractor is responsible for any loss or damage to the electrical installation prior to completion of the Contract. Cover can be provided on an All Risks basis for work in progress, materials in transit, or in temporary storage and at the contract site. In addition, cover can be extended to include loss or damage to your own plant and equipment, or hired-in plant including continuing hire charges.

Our Experience & Relationships

We cover over 1,000 trade types, including most types of Electrician: from 3-phase engineers to telecommunications engineers to residential general electricians to fire and security contractors the list goes on! Just use the trade selector on our quote form to type in or select your trade.

We have over 50 years collective experience and relationships with Construction underwriting specialists which have the capacity and understanding of the industry to write and place any construction risk.

Correct Cover For
Your Business Today

What insurance Does  Your Business Need?

The insurance you need will depend on your specific type of business and the individual risks it faces, but these are popular covers for tradesmen:

  • Our independent status ensures that the premium quoted for your public liability insurance will be the most competitive from leading UK insurers such as AXA, Allianz, Ageas, Hiscox, QBE, NIG and RSA.
  • If you provide advice or issue electrical certificates, your policy can also be extended to include professional indemnity cover.

What Insurance Does Your Business Need?

Do you work in hazardous locations? if you do undertake any work in connection with in or about any of the following premises the we can still help place your insurance. Just let our experts know and we will be able to determine how to obtain the right cover for your business.

Airports, Refineries or Oil, Gas, or Petro Storage Depots, Asbestos, Silica, PCB’s, Towers or Steeples, Explosives,
Acids, Gases, Hazardous Chemicals, or Chemical Works, Bridges, Chimney Shafts, Blast Furnaces, Viaducts, Mines,
Quarries, Tunneling, Dams, Reservoirs, Docks, Harbours, Piers, Wharfs, Jetties, Ships, Vessels, Watercraft, Cushioned
Vehicles, Railways, or Radioactive Substances

Electrician Business Insurance

Public liability insurance usually comes up first when it comes to tradesmen insurance, this cover can protect you if you’re sued because someone is injured or their property is damaged.

Moneycornershop.com has a panel of insurers that have the capacity to offer between £1 million and £25 million in cover, to protect you against legal fees and compensation costs.

You can include business buildings cover to protect your business premises, including fixtures and fittings.

  • You can also include plant and machinery insurance, which can provide protection for plant and machinery, whether you own it or hire it.
  • Contract works insurance can cover the cost of repairing or redoing work on a construction site if it’s damaged or destroyed by an insured event – like fire, flood, storm, vandalism or theft – while it’s in progress.
  • Personal accident insurance covers you against serious injury, or even death – paying out for the likes of lost income and medical costs.
  • You can include business buildings cover to protect your business premises, including fixtures and fittings.
  • Business equipment insurance to cover your business contents and office equipment.

What Type Of Tradesman Are You?

We provide tailored insurance for most types of Electricians, such as:

  • Domestic Electrical Installers. …
  • Installation Electrician. …
  • 3-Phase Electrician. …
  • Electrotechnical Panel Builder. …
  • Instrumentation Electrician. …
  • Electrical Machine Repairer & Rewinder. …
  • Highway Electrical Systems Electrician.




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Why Moneycornershop.com?

Here are just a few reasons why:

  • Join a Huge Network of Happy Customers
  • Passionate and Friendly Team Of Experts
  • Claims handled by Individual Insurers
  • We Can Help You Raise Finance For Your Business
  • Experienced Tradesman Insurance brokers
  • Need Premium Finance ? – No Problem We Can Help Here Too
  • Access To The Most Competitive Insurers In The Land