Electrical Contractors Insurance for electrical firms

It depends on the type of work you do, how much is testing or design, your wage roll, turnover, specialist installs such as solar or EV, tools values and claims history. Industrial and hazardous area work is usually rated more heavily than commercial fit out. Insurers weigh these differently, so comparing several is worthwhile.

For injury and physical damage, usually yes. If a client says your inspection report missed a defect and they lost money as a result, that is closer to a professional claim, so check whether the policy includes inspection work or add professional indemnity.

Completed works liability covers injury and damage caused by your installation after handover. Because claims can surface long after the job, avoid gaps between policies and file the test certificate for every installation.

Usually, yes, if you design systems, size cables and protection, or sign off designs for others. Liability insurance will not pay when a sizing or design mistake leaves the client out of pocket without any physical damage. Professional indemnity fills that gap and is often arranged alongside an electrical policy.

Usually, if declared. Insurers ask for the turnover from each, as roof work and battery fire risks are rated differently from standard electrical work. Undeclared specialist installs can leave a claim unpaid, so tell the broker before you start offering them.

Under the tools section, yes, as long as the values are declared. Calibrated testers, thermal cameras and power quality analysers can be costly, so list high value items and check the limit for any one item and the overnight security terms.

Only if the insurer agrees. Most electrical policies exclude explosive atmospheres and hazardous sites unless declared. Insurers may ask about training, permits to work and the share of turnover, and some will refer the work to a specialist market.

Public liability usually covers damage to the client's building and services, such as a pipe you drill through, subject to the excess. Damage to the part of the installation you were working on may be excluded, so check the property worked upon terms.

Yes, if declared. Street lighting installation brings highway work, column erection and buried cable strikes, while lightning conductor contractors work at height on steeples and towers. Insurers ask about traffic management, access methods and maximum working height before agreeing terms.

Fill in the short form on this page and a broker used to electrical accounts will phone to talk it through. Before the call, pull together turnover by type of work, the share from testing and design, staff numbers and wages, tools and stock values, any solar or EV work and past claims.