Insurance for Contractors Working Across a Wide Range of Trades.
Protect yourself and your livelihood with the right insurance at the right price.
Your work may cover multiple trades, or perhaps you're more specialist; either way, you need the right tools in your toolbox, including appropriate insurance. Liability insurance for tradesmen protects against the unexpected – cover that's designed for you.
We're committed to protecting you and your business should the unthinkable happen. Working with a leading specialist insurer, we have negotiated high quality insurance at a competitive price for you.
If you become an NICEIC registered electrical contractor, you'll benefit from a 10% discount on the cost of your insurance.
Our comprehensive insurance cover for tradesmen
Working with a specialist insurer, we've developed insurance with you in mind. It's comprehensive, flexible, and affordable. If you prefer to do things yourself, you can quickly and conveniently get a quote and buy online.
And, the best bit...
Registered NICEIC contractors get 10% off the cost of their insurance!
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.
Goods in transit.
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.
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.
How much you pay for public liability insurance cover depends on the nature of your contracting business – its size, claims history, the type of work you undertake and the level of risk that comes with it. That means there is no single average cost of public liability insurance. However, most contractors insurance from NICEIC Insurance includes public liability cover as standard, with limits of £2 million and £5 million, or £10 million for selected trades.
The level of protection you take out depends on the type of risks you face. 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. If you are an NICEIC registered contractor, you need a minimum of £2 million worth of public liability insurance is required in place to meet the obligations; therefore, we offer public liability cover ranging from £2 million up to £10 million, depending on the trade and insurer.
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.