Electrician insurance
Join over 900k UK customers (including over 16,000 sparkies like you) – we offer public liability cover from £4.74*
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Claims paid in 24 hours
For 80% of settled claims
Why do you need electricians insurance?
Electricians’ insurance protects you against the costs of damage, injury or mistakes at work. You know the risks associated with electricity – so make sure you, your tools and your customers are covered.
- Protects you from big claims like accidental injury or damage
- Keeps you on track when the unexpected happens
- You’re covered for any associated legal and medical costs
What does electrician insurance insurance cover?
You know the risk when you work with electricity and live wires. Make sure you’re covered against injury on site, accidental damage to equipment, and legal and medical costs. Pick and choose which type of insurance best fits your business.
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Electrician public liability insurance
In case you or your employee injure someone or damage their property.
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Employers’ liability insurance
In case an employee gets ill or injures themselves at work.
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Tools insurance
In case your tools are stolen or accidentally damaged.
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Stock insurance
In case your stock is accidentally damaged or stolen.
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Hired-in plant insurance
In case of loss or damage to hired plant.
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Own plant insurance
In case of accidental or malicious damage to your own plant items.
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Contract works insurance
In case your work is disrupted on-site due to theft or damage.
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Legal expenses insurance
In case there are any legal costs associated with running your business.
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Personal accident insurance
In case of injury at work or outside of work.
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Professional indemnity insurance
In case a customer suffers financial loss because of you.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does electrician insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example electrician insurance quotes, real prices
£7.51 /month
£55.12 /year
Domestic electrician working in residential locations
- 5+ years’ experience
- sole trader
- no employees
- based in Derby
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
£105.61 /month
£938.74 /year
Domestic and commercial electricians with employees and casual workers
- 5+ years’ experience
- limited company
- 2 employees
- based in Birmingham
Public liability
£5,000,000
Employers’ liability
£10,000,000
Tools
£8,000
How we work out example quotes These examples are real quotes from our online system (created 21/02/2022). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
Pick what goes into your policy
Only pay for what you need
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Is public liability enough for third party property damage?
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Can I just cover my most expensive tools?
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Which type of workers do I need insurance for?
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Will tools insurance cover all my equipment?
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Does electricians’ insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having electricians’ insurance through Simply Business has saved electricians thousands of pounds when the unexpected happened.
Richard saved more than £4,600
Richard (not his real name) was fitting lights when he dropped his cutters in the bath. As a result, the bath was chipped. Luckily, Richard’s accidental damage insurance paid out.
Insurance payout
£4,660.00
Covering the majority of the cost of the damage to someone else’s property.
Insurance payout
Covering the majority of the cost of the damage to someone else’s property.
Covering the majority of the cost of the damage to someone else’s property.
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Electricians’ insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about electricians’ insurance. You can also check out our business insurance FAQs.
Without this insurance, you could be liable for thousands of pounds in legal fees and compensation claims.
You need professional indemnity insurance if you give advice to customers. If that advice is incorrect, or your customer files allegations of mistakes or carelessness against your work, you could be out of pocket. You can even lose income from wasted time defending these claims.
Some trade bodies require you to have some level of professional indemnity insurance.
It’s important to have public liability insurance. Working with electricity means serious consequences should anything go wrong. And if anything did go wrong, the financial implications can be hefty.
Public liability insurance can protect you against claims arising from injury or loss suffered by a member of the public as a result of your work.
If you have people working for you, you’re required by law to have employers’ liability insurance. Without it, you could be fined up to £2,500 a day for each employee.
While you may not be required by law to have other types of insurance, it’s important to protect your business. You should also protect your tools, your employees, your customers, and members of the public should anything happen at work.
Three types of insurance you should consider as a self-employed electrician are:
- public liability insurance
- employers’ liability insurance (a legal requirement)
- tool insurance
If you’re working under the main contractor’s supervision, you’re unlikely to need your own public liability insurance policy. Their insurance should cover you – but please remember to check this with them.
But, if you’re working independently, you’ll need your own public liability insurance. Either way, it’s best to check with the main contractor.
The most common types of insurance for a contractor are public liability and professional indemnity.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
