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Public Liability Insurance for your Electrician's business

Rhino Trade Insurance 28 May 2023

As an electrician, you will be well aware of the various dangers that electricity may present to you and your clients. If something goes wrong, the repercussions could be nothing short of disastrous. Public Liability Insurance and other speciality insurance options are crucial to protecting your business in the face of risks that come with the type of work that an electrician does.

Today, we want to explore what types of cover you can take out as an electrician and why you should consider building a comprehensive suite of insurance policies to ensure that your business doesn’t suffer should something untoward happen. 

What work does an electrician do

As an Electrician, your customers rely on your specialist knowledge to power their properties and premises safely. Your days are spent setting up, maintaining, and fixing electrical systems. From private residences to retail establishments and business buildings, electricians operate on a variety of projects and are always in high demand.

How does Rhino's electrician's insurance work?

In the event of a need to claim on your insurance, we want to make sure that you can rest easy knowing that we have your back. Rhino lets you purchase the appropriate cover for your electrician's business by customising your policy to meet the areas of risk your business faces.

The most popular form of insurance for Electricians is Public Liability Insurance. This type of insurance is extremely useful, as it safeguards your company financially in the event that a client is inadvertently hurt on the job or has their property damaged. Let's imagine a third party tripping over one of your tools when you're repairing a broken plug socket and sustaining an injury. If there is a claim, as a result, we've got you covered.

If you find yourself in a sticky situation, a Public Liability policy will help protect your finances and provide you with peace of mind that your company is in safe hands.

What you can get with a policy at Rhino:

  • Up to £5 million in insurance
  • You will be compensated for your defence costs, solicitors' fees, legal advice and compensation bills if your claim is approved.

Do you need insurance as an electrical contractor?

As an electrician, you may be found doing anything from repairing a faulty switch, configuring the electrical wiring for a new home or office, upgrading homes with the latest EV chargers and solar panels or installing new systems for signalling or traffic management.

You spend your entire day identifying issues and fixing them, so you're good at it. But what if something unexpected happens and someone suffers a serious injury? Or what if you accidentally break or harm something in the area where you are working?

You risk losing more than just the value of a claim without insurance. If you are found responsible, you could potentially lose out on money, reputation, and future business opportunities.

What types of insurance should your electrician business consider?

Building on your Public Liability Insurance, you can add the following to your specialised electrician's insurance package with Rhino Trade Insurance:

Employers' Liability Insurance

If you employ any workers or apprentices, you are legally obligated to carry this type of insurance. Even if you employ one staff member or volunteer, you are responsible for any illnesses or injuries they sustain while working for you. You risk paying a fine if you don't have this kind of insurance.

With Rhino, you can protect the following with up to £10 million in insurance cover:

  • Part-time and full-time workers
  • Independent contractors you employ
  • Temporary employees, interns, and volunteers
  • Individuals participating in training or work experience programmes

Tool Protection

The tools and testing supplies used by Electricians can be extremely expensive.

Your work-related tools and equipment can be insured with Tools in Transit cover from Rhino Trade Insurance, allowing you to replace them swiftly without incurring costs above the agreed-upon policy excess.

We wrote a full blog all about the benefits of tool cover here

Personal Accident Insurance

Personal Accident Insurance protects you or your family if you are injured or even killed while performing a task due to your job. 

If you’re injured or fall ill as a self-employed tradesperson, you won’t be able to make an income until you’re back on your feet. This obviously has huge financial ramifications for you.

This is when Rhino's Personal Accident Insurance comes in handy. If you’re covered by Personal Accident Insurance, you’ll receive a lump sum based on your chosen level of liability - thereby shielding you from the effects of a loss of income. 

You won't need to worry if you have any expenses or charges to pay because Rhino has you covered. Find out more about this protection here

Van Insurance

For those of you who work for several clients and are constantly on the go and depend on your van to maintain company operations, our Van Insurance for Electricians will see you right. Van Insurance is available to give all tradespeople and business owners peace of mind since we recognise how crucial it is to keep the wheels rolling.

Tradespeople in the UK may save on average £114 on their Van Insurance premiums by connecting with Rhino Van Insurance and We work hard to deliver exceptional prices for the hardworking tradespeople of the UK and hope you can take full advantage of our amazing products and services on offer. 

Find out more here

Why Choose Rhino Trade Insurance?

It's critical to safeguard oneself from potential mishaps whether you're an electrician working on your own or with someone else.

After the necessary safety equipment and protocol, you’ll need to stay safe on the job, the most crucial piece of equipment in your toolbox may turn out to be your company insurance.

Why not find out what Rhino Trade Insurance can provide to Electricians looking to protect their business? Given that our products have received thousands of five-star reviews on, it will be difficult to find a better trade insurance provider. Our staff can create customised insurance for your company and have you protected in a matter of minutes. 

Call our helpful staff at 0116 243 7904 for all the information you require, or visit our website and utilise our convenient online price builder. A quote can be obtained in 60 seconds!

About The Author Phil McCormick

Experienced in brand marketing and content. Most of that lovely communication you see online will be from Phil. social media, emails, videos, how to make a bacon sarny? You get the gist!

Trade most identified with: Electrician - It’s our Phil’s job to map out all our communications and make sure the signal works! Also, he’s one of the cockiest blighters in the team so electrician fits perfectly!

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