niceic electrical business insurance

Self-Employed Electrician Insurance


Things can go wrong, and accidents and mistakes happen, so having the right insurance in place is so important. Insurance for self-employed electricians can cover you in the event you make a mistake and it costs a client, or causes damage or injury. It can also cover costs resulting from legal claims relating to mistakes made or advice you have provided, and will cover expenses incurred in your defence.

If you’re employed to work in commercial premises where there could be harm to members of the public, you will need public liability insurance as part of your cover. Public liability for self-employed electricians can protect you if your work has a fault that causes injury to a member of the public, or damage to their personal property.

We at NICEIC Insurance work hard to provide you with the right electricians insurance that meets all of your specific needs, and leaves out what you don’t need. NICEIC registered electricians can also receive a 10% discount on the cost of their contractors insurance.

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.

And, the best bit...

Registered NICEIC contractors get 10% off the cost of their insurance!

88% of our customers would recommend our service

We Offer as Standard**

  • Efficacy up to £100,000.

  • Professional indemnity cover up to £100,000.

  • Public liability cover – with limits of £2 million and £5 million, or £10 million for selected trades.

  • Up to five years' no claims bonus.

Optional Extras**

  • Contract works – with £100,000, £250,000, and £500,000 limits.

  • Cover for tools – from £1,500 to £5,000 per person.

  • Goods in transit.

  • Hired plant up to £50,000.

  • Increased efficacy cover up to £1 million.

  • Legal expenses.

  • Own plant up to £50,000.

  • Personal accident.

  • Professional indemnity increased to £300,000.**

  • Property all risks.

The Power Behind Your Business

NICEIC Insurance 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 insurance for self-employed electricians at a competitive price for you. The essential cover can be extended to include a range of optional extras, to deliver tailored protection to suit your individual circumstances.

Why Choose Self-Employed Electrician Insurance from NICEIC Insurance?

NICEIC Insurance 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 insurance online yourself, or if you would prefer us to guide you through the options available and arrange the cover via 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 any changes to your cover mid-term or at renewal should your circumstances change. In addition, should the worst happen 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

Business insurance is designed to protect businesses when they suffer losses while carrying out their usual activities, and is particularly important if a business finds itself facing a claim for compensation. Typical business insurance cover may include employers' liability insurance, public liability insurance, and professional indemnity insurance. Own plant or hired in plant cover is vital for tradespeople who often use complex plant machinery and equipment. It either covers loss or damage to plant you own or any legal liabilities resulting from loss or damage to plant you have hired in – for instance, compensation due under any hire agreement. That depends on whether you use 'labour-only' or what's known as 'Bona Fide' sub-contractors. Labour only subcontractors work under your direction and typically use tools and materials you provide ‒ and are paid by you or through an employment agency. Bona Fide subcontractors, on the other hand, are paid by the main contractor but work under their own direction and provide their materials and tools. You'll need employers liability insurance if you use labour-only sub-contractors – but Bona Fide sub-contractors are not treated as employees for insurance purposes. This will usually be decided by the main contractor, who will set out in contracts governing your work whether you need to take out public liability insurance and at what level. The main contractor will take out public liability insurance to cover the entire project in some cases. Still, it can be a mistake to assume that this cover will defend against all the public liability risks you face as a subcontractor. The good news is that most contractors business insurance policies available from NICEIC Insurance include public liability cover as standard to give you the extra peace of mind that comes from knowing you are adequately protected. Yes. Simply follow the 'Get A Quote' link, fill out some information about you and your business, and we can generate an online quote tailored to your needs in a matter of minutes. An employee is someone who works part-time or full-time under an employment contract. However, remember that when it comes to employers liability insurance, you may need cover for people you don't consider to be employees – like volunteers, 'labour-only' subcontractors, temporary staff and students on work experience. IPT is a tax levied by the government, which is payable on all general insurance premiums. 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. The good news is that professional indemnity cover is included as standard in most of our contractors insurance solutions, designed to provide comprehensive, flexible cover at an affordable price.

Legal expenses insurance covers legal costs incurred in defending or pursuing specific kinds of civil legal action. It can cover everything from employee contract disputes, Inland Revenue tax investigations, and bad debt recovery to prosecution defence and action against you related to the Data Protection Act 2018.

88% of our customers would recommend our service

Helpful staff over the phone with best price for the level of cover I have requested.

Mr Balazs Balogh
Registered NICEIC contractors get 10% off!