Electricians Insurance Frequently Asked Questions
Why do I need electricians insurance?
Electricians insurance is essential of all electrical contractors whether you work on commercial or domestic properties. The electricians insurance policy from Constructaquote.com combines both public and employers liability insurance, thus protecting your business against liability claims from both members of the public and members of staff.
How do I get a policy?
At Constructaquote.com we strive to make purchasing your electricians insurance policy as straight forward as possible. Once you have filled in your risk details we will compare electricians insurance quotes from our panel of insurers and deliver them in a manner that allows you to make an informed decision and select the policy that best suits the needs of your company.
What does electricians efficacy insurance cover me for?
Under the efficacy insurance benefit of the electricians insurance policy will cover you for electrical work such electrical rewiring. We can also cover electricians for alarm installation as long it does not exceed 20% of your overall workload.
What is public liability insurance and employers liability insurance?
Public liability insurance for electricians covers your business against claims from third party bodily injury or property damage claims resulting from your business operations. Employers liability insurance is compulsory by UK law. As a business, if you employ any member of staff whether it be a contractor, sub-contractor, member of staff or temporary member of staff it is essential that you have employers liability insurance. The penalty for not having this in place is up to £2,500 for every day they employ someone without cover.
What levels of indemnity do you offer under an electricians liability insurance policy?
Under a general electrical contractors insurance policy we can offer indemnity limits of £1 million, £2 million or £5 million. If you feel your business requires a higher level of public liability cover please contact one of our dedicated Account Handlers on 08081 686868. The level of indemnity for employers liability is up to £10 million.
How does the temporary employee benefit work?
If you take an electricians insurance policy (a combined public and employers liability policy) you will be automatically entitled to up to 50 days of temporary employee cover (this can be extended to 100 days with a specialist electricians insurance policy from Norwich Union).
Can we cover 3 phase electrical contracting work?
If your electrical contracting work requires you to work on domestic or commercial properties you will be working with 3 phase electrics. A Constructaquote.com electricians insurance policy can provide cover for this.