Electricians Insurance

Electricians insurance provides protection for a many instances depending on which business insurance policies you hold, including:

Injury – Electrical work can create hazards that could cause injury to members of the public. For example, a customer may make a claim against you for a variety of reasons, such as being electrocuted from a faulty switch or from tripping over your work equipment or materials.

Property damage – Damage to your client’s property can range from something minor such as damaging a rug or plasterwork to something serious such as causing a fire in someone’s home due to faulty electrics you’ve worked on.

Tools and trade materials theft or damage – You park your work van on your driveway and head inside your home. Due to tiredness, and after a couple of hours updating your ledger and responding to customer enquiries, you forget to move your tools into the garage for safe keeping.

The next morning, you discover the van door has been prised open and your work tools have been stolen, which means you have to cancel your work for the day and replace your stolen tools.

Caunce O’Hara are specialists for trades insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

By completing our simple online quote form you can get a quote in as little as 90 seconds.

Affordable protection

We have always strived to provide value for money for our clients. Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Looking after our customers has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and freelance contractors, which enables us to provide the cover you need.

The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our trades public liability insurance for electricians starts from as little as £88.33 a year for £1miliion of annual public liability cover, which we think represents real value for money.

As well as public liability insurance for electricians, we offer a range of insurance covers for your individual circumstances, including:

• Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
• Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
• Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
• Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
• Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
• Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
• Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.