Electrical engineer insurance – protect your livelihood with comprehensive cover.
Things can go wrong, and accidents and mistakes happen, so having the right insurance in place is vital. Electrical engineer insurance can protect you and your business should mistakes result in financial loss or injury to your clients, damage to property and injury to members of the public. It can also cover the costs resulting from legal claims relating to advice you have provided and will cover expenses incurred in your defence.
As an electrical engineer, you may often be designing and advising on systems, as well as undertaking electrical work, so it’s important to have professional indemnity insurance (PII). This can cover you if your advice results in losses for your client. You may also be working on multiple projects at the same time, so you need to make sure you have the right level of PII to cover your largest project. Professional indemnity insurance for electrical engineers is also often mandatory when you’re working on a contract.
We work hard to provide you with the right electrical engineer insurance. Working with you to understand your business we will do our best to ensure your policy meets all of your specific needs.
Our electrical engineer insurance cover
You can buy online and receive your policy documents in minutes. Alternatively, you can call us and we’ll complete a quotation over the phone. Our electrical engineer insurance can cover you for the following:
The power behind your businessNICEIC Insurance services has the power to help protect your business and provide you with peace of mind, so you can focus on providing the best service to your customers.
Working with a leading specialist insurer, we have negotiated high quality electrical engineer insurance at a competitive price for you. The essential cover can extend to include a range of optional extras, to deliver tailored protection to suit your individual circumstances.
Why choose electrical engineer insurance from NICEIC insurance services?NICEIC Insurance services is part of Marsh Commercial, an award-winning expert in insurance and risk management. We currently provide more than 35,000 business insurance policies for over 21,000 customers across the UK, so it’s safe to say we have the experience and expertise to help our business insurance customers obtain the cover they’re after, at the right price.
Whether you choose to buy your electrical engineer insurance online yourself, or if you would prefer us to guide you through the options available and arrange the cover over the telephone – we’re on hand to help should you need us.
Our support extends from the advice and expertise we provide at the start of your insurance, through to helping you make changes to your cover mid-term or at renewal should your circumstances change. In addition, if the worst happens and you need to make a claim we offer a dedicated advocacy service to look after you.
**As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.
***Subject to certain requirements.
Frequently asked questions
This depends on the nature of your business – the kind of work you do and where, whether you employ people – and whether you have business premises or vehicles. The insurance cover you typically need includes public liability insurance cover and professional indemnity insurance cover– both of which are included as standard (amongst other cover features) in our electrical contractors liability insurance product.
If you are registered with NICEIC, you are required to have a minimum of £250,000 professional indemnity cover if the scope of work you undertake includes periodic inspection and testing. You are also required to have public liability insurance cover for a minimum of £2 million.
You may also need employers liability which is compulsory for most businesses that employ one or more people. You may then choose to add other cover features like property insurance to protect your shop, office, workshop, or other business premises; van insurance; and tools insurance – as well as covers such as personal accident and income protection.
The insurance covers you need as an electrical contractor depends on your business's nature – its size, whether you employ people and the kinds of work you carry out – and on your attitude to risk. Employers liability insurance is a legal requirement if you employ people – even temporarily or unpaid. Meanwhile, public liability insurance covers legal fees and compensation if a client or member of the public alleges injury or property damage as a result of your work, as well as cover for your tools, vehicles and premises. You are required to have at least £2 million public liability insurance cover as part of the NICEIC scheme(s).
Similarly, income protection insurance can step in to replace lost income if you are unable to work through illness or injury and may be a sensible precaution.
Professional indemnity insurance is a requirement for NICEIC scheme(s) where the scope of work undertaken includes periodic inspection and testing. This will cover the cost of legal fees and compensation if a client alleges a failure in your professional advice.
At NICEIC Insurance services, we have worked with insurers to develop contractors insurance solutions that are comprehensive, flexible and affordable – to make it easier for you to find the right cover at the right price.
5 star service, highly recommended.From NICEIC Customer