Electricians insurance | Direct Line for Business

Insurance for electricians

From public liability to tools cover, you choose what goes into your policy, so you only pay for what you need.

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or call us on 0345 303 1761

Personalised insurance

Choose from a range of cover options to get a bespoke policy for your business.

Flexible insurance tailored to your business

When you’ve spent time earning the specialist skills required to become an electrician and establishing your reputation, the last thing you want to deal with is an expensive claim against your business. But when you’re working on other people's properties, accidents can happen.

We can help safeguard your livelihood by covering the risks you face. You can include any of the cover options below in your policy. So, whether you work alone or run an established electrical contracting firm, you can get insurance that’s just right for your business.

These covers are subject to policy conditions and limits.

Public liability
Our public liability insurance for electricians covers you if you accidentally injure a member of the public or damage their property, for example, if you damage a customer's wall while installing a socket. If someone makes a claim against you, we will cover the legal and compensation costs you are required to pay.

Many clients will ask to see proof of public liability before hiring you for a job. We can offer cover from £1 million to £10 million, depending on your business activities and requirements.

Excess per claim:
- Third party property damage - £250
- Third party property damage, heat & underground work - £500
- Third party property damage, escape of water - £500
- Third party injury - £0
Read more about public liability
Employers' liability

If you have employees, including apprentices, it is a legal requirement to hold employers' liability insurance. This covers you if an employee is injured or becomes ill due to the work they do for you. For example, if faulty wiring gives an employee an electric shock. If you take out this insurance, we will cover you for £10 million, as standard.

If you purchase employers' liability with Direct Line for Business, you are required to take out public liability insurance with us as well.

Read more about employers' liability
Temporary employee cover
If you take out public liability or employers' liability insurance with us, you'll automatically get cover for temporary employees, if you use them.

The maximum number of days we cover temporary employees for will vary depending on the number of manual workers in your business.
- 1 – 5 manual workers - 60 days
- 6 – 10 manual workers - 100 days
- 11 – 15 manual workers - 150 days
Please note that the maximum number of days reflects the total number of days worked by all of your temporary employees. So, if you have seven manual workers in your business, we will provide cover for 100 days worked by all temporary employees in total.
Tools and business equipment
We can cover the tools and equipment needed to run your business, such as pliers, screwdrivers, wire strippers, power drills and saws.

If you're about to head to a job and you realise your tools have been stolen, you risk having to cancel the job or buying new equipment that you haven't budgeted for. We can cover the cost of replacing these items, so you can concentrate on keeping your clients happy.

We can cover tools stolen during the day, as long as the tools are secured in a locked building or in a vehicle where all points of access are locked.

Cover limits:

Tools owned by the business
- Up to 5 workers – £40,000
- Up to 10 workers – £50,000
- Up to 15 workers – £75,000
Tools owned by your employees - up to £10,000 per person

Excess per claim - £100

Read more about tools and business equipment cover
24-hour tools cover

If you're concerned about your tools getting stolen overnight, you can upgrade your tools and business equipment cover to include 24-hour tools cover for an additional premium.

In order to obtain overnight cover, when you get a quote online, you will need to answer 'Yes' to the following question: 'Our standard cover excludes theft from a vehicle overnight. Would you like to add cover for overnight theft of your tools and business equipment from a vehicle?'

Cover conditions: your vehicle must be secured at all points of entry and any alarms or immobilisers must be set. Tools must be hidden from view and removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, handheld survey equipment etc.

Cover limit: there is a limit of £10,000 per claim and a single article limit of £1,500.

Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £100 up to a maximum contribution by you of £500.
Stock and materials
We can also cover your stock and materials, such as fuse boxes, light bulbs and plug sockets. We can cover items that are being temporarily stored between jobs, items in transit and items on-site (until they are installed).

If these items are stolen or damaged due to an insured event, such as accidental damage, a fire, flood or storm, we'll pay the cost of replacing the items so you can continue running your business.

Cover limits:
- Up to 5 workers – £10,000
- Up to 10 workers – £20,000
- Up to 15 workers – £25,000
Excess per claim - £100
Contract works
This covers work that is in progress that is damaged by an insured event, such as a fire, flood, vandalism or theft. We can cover the costs required to repair or redo the work.

For example, if you're working on a house and there is a fire on the property, we can help you to complete the contract by:
- covering the costs required to purchase the materials needed to finish the job
- covering the costs required to redo the parts destroyed by fire
- covering any labour costs to repair the damage
Cover limits:

Contract value (based on the maximum value for any one contract anywhere within the UK)
- Up to 5 workers - £750,000
- Up to 10 workers - £1,000,000
- Up to 15 workers - £1,000,000
Turnover limit - £1,500,000

Excess per claim - £500
Legal expenses

This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Legal expenses cover can only be used if there is at least a 51% chance that the claim will succeed.

Insurance for electricians

or call us on 0345 303 1761

The tools you need to safeguard your livelihood

Personalised insurance

Your own dedicated claims handler

Unlimited access to our 24-hour legal helpline

Unlimited policy changes

10% off your new electricians' insurance policy if you're already a Direct Line customer

Flexible insurance tailored to your business

Public liability

Employers' liability

Temporary employee cover

Tools and business equipment

24-hour tools cover

Stock and materials

Contract works

Legal expenses

Policy documents

View and download our policy documents here: