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INSURANCE FOR ELECTRICIANS
Rhino Trade Insurance provides tailored electrician insurance for UK tradespeople, helping protect your business if something goes wrong while working in a customer’s home, commercial property or on site. Our flexible packages can include public liability insurance, tools cover and employer’s liability cover, depending on how your electrical business operates.
At Rhino, we’re the trade insurance experts. We have something for every sparky, whether you are an electrician, telecommunications engineer or make your living servicing electrical appliances.
When you choose electrician’s insurance from Rhino, you can be assured that you won’t be sold insurance you don’t need. Our packages include the cover you need and nothing else. We take a no-nonsense approach to trade insurance - because your time is valuable and you don’t want to be jumping through hoops trying to sort cover. With Rhino, it can be done on your lunch break. Not only this, but you’ll find our prices competitive, and we don’t charge direct debit fees for paying monthly either.
What is electrician’s insurance?
Electrician's insurance is designed to protect you and your business from various risks and liabilities associated with your work.
Insurance ensures that self-employed electricians can work confidently, knowing they are protected from unexpected setbacks. Whether that be an injury to a member of the public or if you accidentally drill through a gas pipe, you are covered!
Keeping your trade business running smoothly, no matter what comes your way, is fundamental, and by providing these insurance options, electricians can focus on what they do best without worrying about the potential financial impacts of accidents or claims.
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Rhino’s Take: Over 1,300 electricians trust Rhino with their business insurance. And can you blame them when our Public Liability premiums have remained the same since 2019?
What does electrician’s insurance cover?
Risks are lurking everywhere in the trades. Fortunately, there are various insurance options available to protect you and your trade business when something goes wrong.
From public liability, tools insurance and professional indemnity insurance, electricians can build a fully tailored policy that ensures you are covered should the unexpected happens.
As an electrician, public liability is your bread and butter policy and protects you from claims of accidental injury or damage to a third party. Adding tools insurance to this is a no-brainer - especially with the worrying rise in tool theft. With professional indemnity insurance, electricians are protected from claims of negligence if a client loses money from your advice or designs - for example, if a wire installation becomes faulty causing damage to a property.
With public liability, you are gaining valuable protection against accidental injury or damage to a third party. With tools insurance, you are protecting your vital tools from the risk of theft or damage and with professional indemnity, you are covered in case you offer advice or design which leads to a claim of negligence from your customer.
For those electricians who are self-employed, it is recommended that you are covered by liability insurance. This insurance will cover you against injury or damage to property which may have been caused by you whilst carrying out your work.
If tools are stolen it may mean that the electrician is unable to carry out their job, this then could result in no income. Tools in transit insurance is ideal for tradesmen who regularly carry tools in their vehicle, as this insurance covers the cost of repair or replacement if the tools are damaged or stolen.
As a self-employed electrician you may encounter a number of legal risks. These may be health & safety risks or debt recovery. With legal expenses insurance in place you can get the defence you need without worrying about the cost. If you are called for Jury Service this insurance will cover your loss of income.
Whilst your business may have done nothing wrong, this does not stop HMRC from enquiring into your tax affairs. Tax enquiry insurance is able to cover accountants’ fees and, if needed, you can also have an expert to defend your case. HMRC have software that enables them to cross-reference various government databases. This software highlights any income inconsistencies which is often cause by undeclared income. Free tax advice is also included with every TEI policy.
Employers liability insurance for electricians covers legal costs and compensation if an employee gets injured or ill due to their work, ensuring your trade business is protected against such claims.
Professional indemnity insurance for electricians protects against claims of negligence or mistakes in your professional services, covering any legal costs and potential damages.
Contractors' insurance for electricians covers damage or loss to building works, materials, and equipment on-site, ensuring comprehensive protection during construction projects.
Personal accident insurance for electricians provides financial support in case of accidental injury or death at work or in your spare time. It covers you for any lost income by providing a lump sum payment.
Income protection insurance for electricians ensures you are paid a steady monthly income if you cannot work due to illness or injury, helping to cover living expenses during recovery.
How much does electrician’s insurance cost?
At Rhino Trade Insurance, we offer competitive and affordable insurance solutions made specifically for electricians across the UK. Our policies start at just £6,07 a month and are designed to give you peace of mind so you can focus on your work without worrying about what might go wrong.
Whether you're a solo sparky or running a larger operation, the cost of your insurance can vary depending on the level of cover you need, the size of your business, and the specific risks attached to your line of work. But don’t worry, we've got you covered with flexible options that won't put you in your bank manager's bad books! Get a quick quote today and see how easy protecting your trade business can be.
Rhino’s Take: Did you know that Rhino paid out over £2,500 on average per tools claim in 2023, allowing tradespeople to get back on their feet after suffering a theft? Rhino's tool cover does three things: it keeps you protected, it sets your mind at ease, and, crucially, it's affordable.
Electrician Public Liability Insurance: what does it typically cover?
Electrician's Public Liability Insurance protects your business against financial loss should you be deemed liable for damage to a customers property or injury to a third-party. That typically includes:
Legal costs and compensation for injury, death or property damage caused by you while carrying out your work
Claims brought against your business by businesses or individuals: both are covered with Rhino
Damage caused by materials or products you've supplied, such as a faulty part or fitting
Cover applies whether you're on a domestic job, a commercial site or working in public. It sits alongside other cover you might need, such as Employers' Liability Insurance if you take on staff or Professional Indemnity Insurance if your work involves design or advice. Find out more here.
Why Electricians Need Liability Insurance
It doesn’t matter how experienced you might be, adverse events can and do happen. And without the relevant insurance, it'd be you or your business that is left footing the bill. Having the right insurance in place isn’t just about ticking a box; it's about protecting your livelihood from the unexpected.
At Rhino, we get that your work is hands-on and comes with its own set of risks. That's why we offer tailored insurance that covers everything from public liability to tool cover and even professional indemnity.
Ask yourself, if you were left unable to work due to an accident, would you be able to make ends meet? If a customer was injured because of your work, could you cover the costs to make things right? If your tools were stolen from your vehicle, would you be able to do your job?
If the answer to the above is ‘no’, then you can see why it’s wise to have tradesman insurance in place. It will give you protection and peace of mind – both priceless in our opinion!
How much Public Liability Insurance does an electrician need?
The right level of cover comes down to the work you do and the clients you take on, rather than one fixed figure that applies to every electrician. The size of your business, whether you employ anyone, the areas you work in and the type of jobs you take on all play a part in the level of cover that's right for you.
Domestic jobs on their own may only call for £1 million of cover. Once you're working on contracted projects, £2 million tends to be the minimum expected before you can even quote. If you hold an accreditation such as NAPIT or NICEIC, £2 million of cover is generally required to keep your registration valid. Because electrical work carries higher-value risks than many trades, plenty of electricians choose cover towards the upper end of the range for extra peace of mind. You can read more about NAPIT and NICEIC requirements here.
Here at Rhino, you can choose Public Liability Insurance cover from £1 million right up to £5 million, so you can pick a limit that suits your business now and adjust it as your workload changes. If you also want to protect your tools, our Tools Insurance covers up to £7,500, and if you take on employees, Employers' Liability Insurance is a legal requirement.
Find out more about Public Liability Insurance for electricians, or get yourself a quote in a matter of minutes.
BUSINESS INSURANCE FOR ELECTRICIANS
Electricians Insurance
Broadband Installers
Computer Repairs & Maintenance
Domestic Electrical Appliances Services
Electrical Appliances Services
Telecommunication Engineers
Alarm Installers
Aerial & Satellite Dish Erectors
Office Equipment Installers & Repairers
Satellite & TV Installers
Ventilation Engineers
Electrician Insurance FAQs
Yes. Business insurance is considered an ‘allowable expense’ as you’re buying it to cover yourself while you work. It's always a good idea to run all queries and questions like this past your accountant, but you can be secure in the knowledge that you can legitimately claim back the entire cost of the policy, including the insurance premium tax.
There are many factors that can affect your premium. Ranging from the size of your business to the number of staff you employ. Your claims history plays a part too. As does your level of experience, plus there’s the type of work you carry out. The higher the risk, the higher your premium. And then there’s the obvious, what policies will best help protect your business and what level of cover do you need. Fortunately, our quote engine can help generate a price for you in under a minute. So whilst it might seem long winded, you can actually see a price in next to no time.
It might be tempting to go for the lowest levels of cover to save a few quid month-to-month. We understand, especially when times are tough. But consider how common workplace accidents, third-party injuries, tool theft and property damage are in the trades. There’s also the reputational impact to consider. Not having the right amount of cover, or any cover at all, to put right a wrong can have a serious impact on your business.
You might think that being a sub-contractor means you can skip the trade insurance, as the one hiring you will sort that out. This is, unfortunately, not the case. Sub-contractors should consider having their own cover to ensure that they won’t be the ones taking the financial hit if something goes wrong on-site as a result of their work.
A good place to start is usually with Public Liability Insurance. You may struggle to find a contractor who’ll hire you unless you have a policy in place. Tools in Transit Insurance will help cover the cost of your tools should they be stolen from your vehicle, and Professional Indemnity Insurance should be considered if you’re supplying advice and designs to customers.
