Electricians Insurance

Electrician is your trade – and not for nothing are you known as “sparky”.

Friendly as that nickname might be, however, there remains the undercurrent of recognition that working with electricity is dangerous – even though you’ve served your apprenticeship, got the qualifications and may have many years of experience behind you.

It is that element of danger, and its potential for causing serious injury or damage, that makes the case for electrician’s insurance.

What is electrician’s insurance?

What is electrician’s insurance?

Just as the name suggests, electrician’s insurance is designed for anyone working as an electrician – as a sole trader, the owner of an SME or as a corporate contractor.

The combination of electrical systems a danger in themselves and because you represent yourself as a qualified electrician competent in doing your job safely and efficiently, raises a number of potential liabilities which electrician’s insurance is designed to address.

What does it typically cover?

What does it typically cover?

Because of the wide differences between types of business, there are many different types of electrician’s insurance. What they are likely to share in common, however, is cover for some or all of the following main risks:

Professional liabilities

  • the mistakes or any carelessness you might make when working with electricity may cause serious injury to yourself, your customer or anyone nearby;
  • a moment’s lack of concentration and crossed wires in domestic circuit, for example, may result in injury or significant damage to your customer’s property;
  • electrician’s insurance may incorporate professional liability insurance that provides indemnity against the inevitable allegations of professional negligence from the injured customer;

Public liability

  • but your liabilities are not limited to your customers;
  • anyone who is not employed by you and who suffers an injury or has their property damaged through some connection with your business may claim that you have breached your wider duty of care to take all reasonable precautions to prevent such accidents;

Employers’ liability

  • if yours is a business which employees other people – either as electricians or in some other administrative capacity – you are legally obliged (except in a few rare cases) to hold a minimum of £5 million employers’ liability insurance;
  • this is to ensure that you are in a position to meet any claim from an employee, or former employee, who may have been injured or contracted some longer-term illness as a result of the work they have done for you;

Motor insurance

  • one element of insurance that may be critical to your doing your job as an electrician is cover for the van or other vehicle you use to travel between jobs;
  • in addition to a wide range of business insurance packages, here at Specialist4Business, we are also able to arrange whatever kind of motor insurance you may need.

Who is electrician’s insurance suitable for?

Who is electrician’s insurance suitable for?

If you work as an electrician, it is apparent that a wide range of potential liabilities may threaten the commercial success of your business – liability claims may assume substantial proportions, to the extent that the very future of your business may be in jeopardy.

Summary

Summary

Working with electricity may be dangerous, allowing little room for mistakes or carelessness. Yet mistakes may still be made, with the potential for injury or property damage to your customers or the public.

Electrician’s insurance is designed to safeguard your business against the claims that may result.

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