Kingsbridge Insurance
Electricians Insurance
Find tailored, specialist Electricians Insurance that keeps you covered. Kingsbridge’s full Trades Insurance Package includes everything you need to get the job done with confidence – for both small and medium-sized businesses.
Get securely covered in just a few simple steps.
Insurance for electricians, made simple
Here at Kingsbridge, we know that electrical work takes patience and precision. We want our customers to be able to focus on the task at hand rather than worrying about what would happen if a structural fire broke out or they were at risk of being electrocuted. That’s where our tailored electrician’s insurance comes in. Whether you’re self-employed, an electrical contractor, or hiring individuals, know you’re covered with:
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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
On top of the core products above, we also offer optional add-on covers, making sure your insurance reflects the risks you face. They include:
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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.
If you’re looking for something else, we also offer Contractor Insurance and SME Insurance. So, no matter what industry you work in, we’ve got you covered.
Get your quote to find out your price
Wondering how much electrician insurance cover will cost? Enter your details into our online form, and we’ll get back to you with a realistic price. We offer tailored quotes at competitive prices, meaning that you only pay for the coverage you really need.
Give us a call on 01242 808 740
Why Kingsbridge is the right provider for your electrician’s insurance
When working as an electrician, you want to spend more time focusing on the job at hand, rather than worrying about what cover you need. We know that an electrician’s work can come with its own risks, which is why we designed tailored packages so you’re covered for the hazards you actually face day-to-day.
Here’s why so many electricians across the UK choose Kingsbridge for their insurance:
✔️ Goods and Tools cover included as standard – We make sure that tools cover isn’t an expensive add-on, and comes already included in your policy package
✔️ Insurance all in one place – Get everything you need from an insurance policy in one simple package
✔️ Price Promise guarantee – We believe in great prices without any hidden costs or catches
✔️ Trusted by thousands of tradies – We’ve got plenty of great customer reviews from customers who are genuinely happy to have worked with us
✔️ Guaranteed support – Our team know exactly what they’re talking about, offering ongoing support and advice every step of the way
We cover a wide variety of trades - find the policy you need
Our specialist insurance packages are designed for a wide range of trades, including (but not limited to):
Get your full Electrician’s Insurance package today
Don’t leave your business exposed to risk and clients unsatisfied. Start your quote today and secure the correct protection you need with our specialist insurance for electricians! Trusted by thousands of electricians, get covered for a competitive price.
Insurance for electricians: FAQs
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Do electricians need public liability insurance?
While public liability insurance isn’t a legal requirement in the UK, it’s highly recommended for any practising electrician. Firstly, you can’t register with NICEIC or NAPIT without a minimum of £2million in public liability cover. Plus, most main contractors will refuse to hire an electrician without valid proof of insurance. You can find public liability insurance included in our Trades Insurance Package as standard.
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Do self-employed electricians need insurance?
Yes, if you’re operating as a self-employed electrician, you could still need proper insurance. With Kingsbridge, you can get tailored policies that cover public liability and professional indemnity. That way, you can make sure you meet client requirements and industry regulations and get to work as soon as possible. Discover more reasons why self-employed insurance matters so much.
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Is electrical insurance needed for subcontractors too?
Yes, but the exact policies will depend on whether you operate as a bona fide subcontractor (BFSC) or a labour-only subcontractor (LOSC). If you’re a BFSC, you’ll need your own public liability and professional indemnity insurance. For LOSC’s, you’re generally treated as a temporary employee and could be covered by the main contractor’s policy. You will, however, need your own tools insurance for your own kit, but don’t worry, as that’s already included in our standard Trades package.
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How much does insurance for electricians cost?
That depends on several factors, including the size of your business, the level of cover you need, and any claims history. Start your quote to see how much your own electrician’s package could cost.
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What happens if an electrician is uninsured?
Without proper insurance, you could be at risk of financial loss, legal disputes, and lost work opportunities. In most cases, clients and contractors require proof of insurance before hiring, so having the proper insurance is recommended to make sure you’re winning jobs. Find out exactly what insurance a tradesman needs by reading our guide.
