The level of protection you take out depends on the type of risks you face as an electrician. It's an individual decision based on the nature of each business – though it's worth finding out what level of cover potential clients expect you to have.
There may be a minimum requirement of cover required depending on the nature of the job or your electrical contractor registration. For example, if it's a commercial contract for a council, they may require a higher level of cover than a domestic job.
For NICEIC registered contractors, a minimum of £2 million worth of public liability insurance is required to meet the obligations; therefore, we arrange public liability cover ranging from £2 million up to £10 million, depending on the trade and insurer.