NICEIC REGISTERED CONTRACTORS RECEIVE 10% DISCOUNT
Cover for contract works.
Cover for loss or damage to tools and office equipment.
Cover for temporary employees up to 50 days per year.
Cover for your own plant and hired in plant.
Employers liability cover of £10 million.
Free 24 hour business legal helpline.
Public liability cover limits – £1 million, £2 million or £5 million available.
The Power Behind Your Business
NICEIC Insurance is here to help you with all your business insurance needs. From tradesman insurance, personal accident and short-term income protection to van insurance and premises insurance – we've got you covered.
Unlike many direct insurers or comparison sites, we're here to provide expert advice. We'll explain the finer details of your plumbing insurance cover, so you know exactly what you're protected for. This should give you peace of mind, leaving you to focus on looking after your customers.
Our support doesn't stop there. We're on-hand to guide you through the process of making changes to your cover – mid-term or at renewal, should your circumstances change. But, if you wish to do things yourself, our customer portal puts you in control. Download your documents, make adjustments and renew your policies online.
And, should the worst happen and you need to make a claim, we will help to make sure it's handled as quickly as possible.
Cover is available for tradesmen working in most domestic, commercial, and industrial premises in Great Britain and Northern Ireland, the Channel Islands, and the Isle of Man. Cover is also provided for temporary work in the EU.
*2 Cover may differ dependent upon insurer. As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.
Frequently asked questions
While public liability insurance isn't a legal requirement, it is strongly recommended for contractors and tradespeople since the nature of the job brings you into contact with clients and members of the public.
That's because, no matter how careful you are, accidents do happen – and if an accident causes injury or property damage to a client or member of the public, you could find yourself faced with potentially expensive legal and compensation costs. Without public liability insurance, these costs would need to be funded from your own pocket.
Public safety and the positive reputation of contractors and tradespeople are an important part of NICEIC registration. If you are a registered contractor, you need a minimum of £2 million cover to meet registration obligations. This amount is included in our electrical contractors insurance cover with Covéa as standard. However, we recommend you check any contracts you undertake and seek specialist insurance advice if more cover is needed.
There's no requirement to have public liability insurance in place from a legal perspective, but it's certainly an essential insurance to consider as a responsible contractor. Also, you could be left out of pocket if a claim is made against you and you don't have adequate cover.
If you provide advice or consultancy to clients as part of your work as a contractor, you should consider taking out professional indemnity insurance. 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.
There are some exceptions, but if your business has at least one employee, then the likelihood is you will need employers liability insurance – remember too that temporary workers, "labour-only" subcontractors, volunteers and people doing work experience all count as employees for the purposes of insurance.
The Employers' Liability (Compulsory Insurance) Regulations 1998 made employers liability insurance cover of at least £5 million compulsory for any individual or company with employees.
The exceptions include:
- Limited companies where the owner is the only employee and owns 50% or more of the issued shares.
- Businesses that are not limited companies and only employ close family members.
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.
Whether arranging insurance online or over the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within seven days. Just be sure to let us know you want the cover to start immediately, or specify a date that suits you if you don't want cover straight away.
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.
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.
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.
Helpful staff over the phone with best price for the level of cover I have requested.
Mr Balazs Balogh
FREE insurance Health check
Our FREE no-obligation insurance health check will compare the cover, service and price you're currently getting against what we can provide you as a NICEIC member. We'll identify if you're missing out on valuable enhanced benefits – and potentially save you money. We also include electrical vehicle charging installation insurance as standard, at no extra cost.