Electricians Insurance – Compare Leading Insurers
- Our electricians insurance online quote form is quick and easy to complete
- use debit card or credit card (no charge)
- Instant electricians insurance cover is available
- Download your policy documents to your PC, which enables you to print copies as required.
Electricians Insurance : why do you need it ?
As with all skilled trades there is always the possibility of an accident happening, no matter how careful you are. That is why you, as a tradesman, need to ensure that you have adequate electricians insurance cover in the event of a claim occurring.
At the Lifesure Group we try to offer you the electricians insurance cover that you need and have an online quotes facility that will guide you through the process to
- obtain a competitive electricians insurance quotation.
- commence instant cover should you wish to buy electricians insurance online.
- download your electricians insurance policy documents.
As an electricians or electrical contractor if you want to discuss your specific electricians insurance requirements, we will be only to pleased for you to call one of our specialist electricians insurance staff to answer questions and provide advice. During the working week and also on Saturday mornings there will be staff available on (01480) 402460.
Your first requirement will be Public Liability insurance which we can offer with indemnity limits of £1 million, £2 million, or £5 million.
As an electrician or electrical contractor you could be working on a factory, a building site, in someone’s home, or in any other number of locations. However experienced and careful you are accidents do happen and a claim could be made against you for a large sum of money especially if a member of the public is injured and it is deemed to be your fault.
Again damage to someone else’s property could lead to an excessive amount of money being claimed from you and if you do not have the right insurance this could lead to the end of your business.
You will also require Employers Liability electricians insurance should you have anyone working for you be that person a direct employee, a trainee or apprentice, or a subcontractor who is working under your instructions. You are legally required to have this cover and we are able to provide it at a limit of £10 million.
If you employ staff, have trainees for apprentices, or use subcontractors then you are legally required to have employers liability insurance.
An employee is defined in law as any person while working for you in connection with the business who is:
- Under a contract of service or apprenticeship with you.
- A person under a contract of service or apprenticeship with some other employer and who is hired to or borrowed by you.
- A labour master or person supplied by him.
- A person engaged by a labour only sub-contractor.
- A self employed person performing work under a similar degree of control and direction by you as a person under a contract of service or apprenticeship with you.
- A driver or operator of hired-in plant.
- A trainee or person undergoing work experience.
- A voluntary helper.
There are a number of options that can be added to your electricians insurance policy and these include:
- Cover for your tools and business equipment.
- Cover for any plant that you might own and also for plant that you may have cause to hiring.
- Contract works.
- Personal accident cover.
- Commercial legal expenses cover.
When completing the electricians insurance online quote form it is important to remember that terms and conditions may apply to the different elements of cover available. An example of this would be for tools cover which would be excluded if your tools are left in your vehicle overnight unless it is in a locked garage. Please be careful to check that you are aware of any terms and conditions.
Again, our electricians insurance staff are available to discuss the details of the cover with you if you would like and we trust, to give you peace of mind. Call (01480) 402460.
