Electricians Insurance

Electricians Insurance – Complete, Affordable & 24/7 Trusted Protection

Overview

Electricians insurance is essential

Working as an electrician involves one of the highest-risk environments within the trades. From working with live electricity, exposed wiring and fault-finding, to accessing lofts, roof spaces, basements and tight areas, electricians navigate hazards daily. A single wiring fault, accidental short circuit, damaged appliance, or unexpected surge can cause severe injury or property damage — and the financial consequences can be significant.

Having the right Electricians Insurance in place — including Public Liability, Employers’ Liability, and cover for your tools and testing equipment — protects both you and your business from costly claims, accidents and disruptions. Whether you’re carrying out domestic rewires, commercial installations or reactive maintenance, the correct cover gives you the confidence to work safely, professionally and with complete peace of mind.

Benefits

Effortless

comparison sites, confusion and going around in circles. We’ll access the entire market for you.

Affordable

Using our influence and buying power to get you the very best prices available.

Bespoke

Different businesses require different covers. We will tailor make your policy for you and your needs.

Public & Products Liability Insurance for Electricians

Public Liability Insurance is a core cover for electricians due to the nature of electrical work. Fires caused by wiring faults, accidental damage to appliances, drilling into a hidden pipe, or a member of the public tripping over cables or equipment can all lead to expensive third-party claims. Even small mistakes can escalate quickly when electricity is involved.

A strong Public Liability policy protects your business if you accidentally injure someone or damage property while carrying out electrical work. This includes compensation payments, repair costs and legal fees, ensuring you’re protected from financial risk and able to continue operating with minimal disruption. Find out more about construction site safety standards from the HSE Construction Guide.

Employers Liability Insurance for Electricians

If you employ anyone — including apprentices, labourers, trainees or subcontractors who fall under your supervision — Employers’ Liability Insurance is a legal requirement in the UK. Electricians face amplified risks such as electrical shocks, burns, falls from ladders, manual handling injuries, and hazards when working in confined spaces.

Employers’ Liability cover protects your business if an employee suffers an injury or work-related illness while carrying out electrical tasks. The policy supports compensation, medical costs and legal expenses, ensuring your team and your business are both protected.

Tools, Plant & Asset Protection Insurance for Electricians

Electricians rely on specialist tools and equipment daily — from drills, testers and meters to PPE, ladders and cable installation tools. These items are essential for completing work and are often targeted for theft, especially from vans or sites. Damage, theft or loss can bring your work to a complete halt.

Tools & Equipment Insurance (or Contractors’ All Risks cover) protects the equipment you depend on to perform your job. Whether your meters are stolen, your tools are damaged on site, or your equipment is lost during transport, this cover ensures you can replace them quickly and keep working without unnecessary downtime or delays.

The process

Quick. Simple. Competitive.

 

We’ll call you back. Find out what you need and then give you a couple of quotes and options. It’s that simple.

Why choose Evolution for Electricians Insurance

At Evolution Risk Group, we specialise in supporting trades across the UK with tailored, reliable and affordable insurance solutions. We understand the risks carpenters face day-to-day and build policies that give you the flexibility and protection you need to work confidently and professionally.

• Fast, simple quotes

• UK-based support

• Optional add-ons for tools, van, personal accident and hired-in plant

• Cover designed specifically for self-employed carpenters & small trade businesses. Start your quote here.

electricians insurance

FAQ’s

Absolutely. Subject to credit we can offer instalments to suit your requirements. We will offer you payment options when quoting.

We aim to provide same-day insurance quotes wherever possible. In some cases, it may take longer if we need additional information or if underwriters request further details about your business.

In the UK, the only legally required business insurance is Employers’ Liability Insurance if you have staff. Other covers—like Public Liability, Professional Indemnity or Business Interruption—aren’t mandatory but are essential to protect your business from costly claims, accidents and major disruptions.

No. We’re an independent insurance broker with access to the full UK insurance market. This means our recommendations are based solely on the best cover, price and protection for your business. We review all suitable options and explain the pros and cons of each so you can make an informed decision.