Kingsbridge Insurance
Electrician Insurance
Our trades policy package is tailored to provide the comprehensive cover for small and medium sized enterprises. We’ve included everything you need to cover your business for an amazing price.
Why do I need insurance for my electrician business?
Insurance gives you the peace of mind that you are protected against any potential damages, tax liabilities or claims against your business. Our policies typically combine Public Liability, Professional Indemnity, Employers’ Liability, and other forms of insurance.
Our insurance protects you against many of the hazards you face from doing the job each day. Examples include claims made against you due to injury, loss or damage to property or injuries to members of the public.
Everything you need in a single policy
We’ve tailored our policy package to provide the most comprehensive cover a tradesperson could ever need, and that’s not even the best bit. We’ve included everything listed below, and for an amazing price.
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Public Liability
Public Liability
Provides cover when a third party is injured or their property is damaged due to the actions of a limited company contractor or business. Having Public liability insurance will cover the costs of any damages awarded, as well as any related legal fees, costs, or expenses.
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Goods and Tools
Goods and Tools
Protects the items in transit against damage, misdelivery and accidental delay under a ‘Hire & Reward’. Tools cover protects against damage and loss for Tools in the way of payment for replacing items new for old based upon purchase value. £2,500 of cover as standard, limits available up to £20,000.
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Employers' Liability
Employers' Liability
Covering any injury to an employee. £10,000,000 any one claim limit with no facility to alter/remove.
Optional Covers
In addition to our core product, we offer these additional covers, to ensure you have the most appropriate cover for your work.
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Hired in Plant
Hired in Plant
Cover for constructional plant tools (larger than hand-held tools) hired in by the primary insured against damage and theft from site or storage in the UK.
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Owned Plant
Owned Plant
Cover for constructional plant tools (larger than hand-held tools) owned by you or/for which you are responsible for against damage and theft from site or storage in the UK.
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Contract Works
Contract Works
Covers you against anything included in the contract of works being damaged before the hand-over of works.
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Professional Indemnity
Professional Indemnity
Protects you from the financial consequences of professional negligence. This includes giving bad advice to making a mistake during your work. This policy will cover your legal defence costs and any damages awarded to the claimant.
Other trades we cover
We provide tailored Insurance to a wide range of trades including but not limited to:
Why do electricians need insurance?
Working as an electrician carries risks, from accidental property damage to liability claims from clients. Whether you’re self-employed, an electrical contractor, or hiring individuals, having the right insurance ensures you’re financially protected if something goes wrong.
At Kingsbridge, we provide tailored Electricians Insurance policies that include all the essential coverages you need at a competitive price.
How much does electrician’s insurance cost?
The cost of insurance varies depending on factors including, but not limited to:
- Your business size and annual turnover
- The level of cover required
- The number of employees (if applicable)
- Claims history
We offer customised quotes at competitive prices, ensuring you only pay for the coverage you need.
Why choose Kingsbridge for electricians insurance?
- Comprehensive cover – Tailored to protect electricians from common risks.
- Competitive pricing – High-quality insurance at an affordable rate.
- Tools cover as standard – Unlike many providers, we include tools insurance in our base package.
- Quick and easy quotes – Get covered in minutes with our simple online process.
- Customisable policies – Whether you’re a sole trader or managing a team, you can tailor your cover.
- 4.7/5 rating – Trusted by over 11,000 professionals.
Who needs electricians insurance?
Electricians of all types can benefit from our coverage, including:
- Self-employed electricians working on domestic and commercial projects.
- Electrical contractors managing teams and large-scale installations.
- Appliance engineers involved in testing, servicing, or installing electrical devices.
- Telecommunications engineers working with network cabling and power systems.
FAQs: Electricians Insurance
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Do electricians legally need insurance?
While public liability insurance is not legally required, many clients and contractors won’t hire an electrician without it. Employers’ liability insurance is mandatory by law if you employ staff.
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How much does electricians insurance cost per month?
The cost of insurance depends on several factors, including your business size, level of cover, and claims history.
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Do I need an electrical safety certificate for insurance?
While not always mandatory, some insurers may require proof of qualifications and safety compliance to offer coverage. Having an electrical safety certificate demonstrates that your work meets UK safety standards, which can help with securing the right policy.
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Can I get electricians insurance as a contractor?
Yes, self-employed electricians and contractors can get tailored policies that cover public liability, professional indemnity, ensuring they meet client requirements and industry regulations.
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What happens if an electrician is uninsured?
Without insurance, you risk financial loss, legal disputes, and lost work opportunities. Many clients and contractors require proof of insurance before hiring.
Get your electricians insurance today!
Don’t leave your business exposed to risk. Get a quote today and secure the protection you need with Kingsbridge’s specialist electricians insurance.