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Self-employed electrician insurance

Our self-employed electricians insurance cover

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 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 electrical contractors insurance!

Get a quote

The power behind your business

NICEIC 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 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 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 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

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.

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.

Direct insurers may only have a limited choice of policies or limited cover options. In contrast, a broker usually has access to a panel of insurers so has more choice and can find cover to suit your needs. Using a broker to arrange your insurance may also help reduce your workload and the time it takes you to search for your insurance. We aim to help you get value for money, so we use the strength of our market position to negotiate cover and price with insurers in advance. We do this to help deliver the right product at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so we can recommend a product that suits your needs.

The cost of public liability insurance depends on the nature of your business – its size, claims history, and the types of work you undertake. For that reason, there is no single average cost of public liability insurance, but rest assured that we are here to find you the right cover at the right price and offer competitive cover with limits ranging from £2 to £10 million for selected trades.

Public liability insurance is designed to protect your business if a client or member of the public claims they have been injured or their property damaged because of your business activities. It covers the cost of legal defence, compensation, damages, and any legal expenses incurred by third parties in making a successful legal claim against you. For example, if wiring you installed later caused a fire that damaged a building, and it was then deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

Professional indemnity insurance protects you and your business in the event of legal claims relating to advice you have provided as part of your work. It steps in to cover the cost of legal defence and compensation if a court finds against you.

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.

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.

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work. In contrast, public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

Registered NICEIC contractors get 10% off their electrical contactors insurance!