Electrician Insurance

Electricians typically need public liability insurance, professional indemnity insurance, tool and equipment insurance, commercial vehicle insurance, and personal accident coverage. If you employ others, workers compensation insurance is also mandatory.

Standard public liability insurance typically covers damage or injury resulting from faulty wiring, but not the cost of rectifying the faulty work itself. Professional indemnity insurance may provide additional coverage for claims related to professional errors.

You can potentially reduce costs by maintaining a good safety record, completing additional certifications, bundling multiple policies, choosing appropriate coverage limits, and implementing risk management practices in your business.