Electrician public liability insurance

Protect your business with cover for legal fees, injury claims and property damage

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What is electrician public liability insurance?

Electrician public liability insurance is a key form of coverage for electrical contractors and self-employed electricians. If your electrical work is directly related to an injury or property damage claim from a third party, this insurance acts as protection. Electricians’ public liability insurance covers the legal fees and compensation costs from the claim levelled against you.  

The environments you work in naturally come with high risks. Public liability insurance for electricians gives you financial security and peace of mind to operate your business confidently. 

What's covered under public liability insurance for electricians?

Electrician public liability insurance covers key risks associated with electrical work. It includes third-party injury coverage, and this protects against claims if someone is hurt due to your work. This could be someone getting electrocuted by exposed wires, for instance. It also covers property damage caused by electrical installations.

Legal fees are included if you need to defend against claims. Moreover, it offers coverage for accidental damage to client property – think drilling through walls and damaging water pipes. This insurance protects your business from financial losses related to unexpected accidents or incidents. 

Why public liability insurance is important for electricians

High-risk work

From accidental fires to electrical shocks, there are significant risks for electricians. Public liability insurance supplies financial protection against costly claims from these potential risks.

Client assurance

Insurance equals reassurance. It demonstrates professionalism and builds trust, making clients more likely to hire you for electrical projects – key for securing commercial or large-scale work.

Contract requirements

Many professional contracts require electricians to be in possession of public liability insurance. Without it, you can miss out on important job opportunities.

Coverage for accidents

You may have strict safety measures in place, but make no mistake: accidents can still happen. If an accident occurs, you are protected from financial strain.

Protection against lawsuits

Defending against claims can be a costly affair – even if you’re not at fault. In better news, your legal costs are covered with public liability insurance.

Peace of mind

Knowing you’re protected against unexpected incidents with this insurance, you can work with confidence and focus on delivering the best service.

What additional insurance coverage is needed for electricians?

Public liability insurance is only the start. Electricians should consider a range of additional coverages. Contract works insurance protects incomplete projects from damage caused by fire or theft, meaning you’re covered until the job is finished. 

Tailoring your policy to include the coverage you need is essential. Unsure what extra coverage you need? Our experts can guide you to the right plan.  

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Why you should choose Radius for electrician insurance

At Radius, we offer a foolproof way to secure the best electrician insurance by prioritising your specific needs. With access to 120 insurers, we can find the best plan to match your requirements and keep rates affordable. However, our work is not simply comparing quotes. Our expertise allows us to highlight – and fill – potential gaps in your coverage.  

With seven decades of experience, we understand the challenges of working in the electrical industry, whether that’s handling hazardous installations or meeting strict client requirements. By partnering with Radius, you get personalised insurance solutions and expert guidance – it’s the best of both worlds.  

Frequently asked questions

Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.

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UK Fuels, Joseph W Burley and Partners (UK) Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a trading name of Joseph W. Burley & Partners (UK) Limited (registered company number 3668469 and FCA reference number 300425) and Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.