When you’re looking for a reliable and professional electrician to complete jobs in your home or business, you must make sure they have public liability insurance for electricians.
Tradesman insurance is crucial for the safety of the tradesman, their client, and their client’s property. Every one of HTS Electrical‘s contractors are fully licensed and insured to make sure they’re covered in the event of personal accident (even within a customer’s house), accidental injury, and professional errors.
If you’re an electrician or want to learn more about public liability cover for electricians, read on to discover the ins and outs of liability cover, legal fees, insurance premium tax, and more.
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Business Insurance For Electricians
Business insurance is essential for electricians to protect against financial loss and legal fees.
Public liability insurance, employer’s liability insurance, and professional indemnity insurance are also crucial for electrical contractors to have, as this provides protection against claims for injury or property damage caused by their work.
Importance of Public Liability Cover for Electricians
Public liability insurance covers compensation costs and legal expenses related to claims from the public when it comes to electrical work. It is essential for electricians to have public liability insurance to manage risks effectively.
Public liability insurance covers injury or property damage caused by the electrician’s work or products, such as an incident of professional negligence within a client’s house.
Electricians business insurance, including public liability insurance, helps protect against financial loss.
Public Liability Insurance For Electricians
Public liability insurance is a type of liability insurance that protects against claims from the public, including clients and customers. PL insurance policies cover legal expenses related to claims for injury or property damage.
Public liability insurance is a key component of electricians insurance and electrical contractors insurance, and many policies include cover that provides protection against claims for bodily injury or property damage.
Legally Required Insurance For Electricians
Employer’s liability insurance is legally required for electricians who employ staff. These staff can include assistants, apprentices, temporary employees, and more.
Electricians must have sufficient insurance to cover employee injuries and other liabilities. Legally required insurance, including employers liability cover, helps protect electricians against financial loss.
All of HTS Electrical’s professional staff are insured for your safety. Get in touch today for your domestic and commercial electrical needs.
Insurance for Self Employed Electrician Business
If you’re a self-employed electrical contractor, you need public liability insurance, as it is a legal requirement to work in the industry. Professional indemnity insurance is also an option for self-employed electricians that provides protection against negligent services.
Self-employed electricians must consider their insurance needs and choose the right insurance types. Electrician insurance, including public liability insurance and professional indemnity insurance, and sometimes personal accident insurance, is vital for self-employed electricians.
Contract Works Insurance For Electricians
Contract works insurance is another type of electrical contractors insurance that provides protection against damage to the contract works.
Contract works insurance covers the cost of repairing or replacing damaged work, and helps protect against financial loss in the event of a claim.
Compensation Claims For Electricians
Compensation claims can be costly and vary depending on the claims history of the electrician and the chosen legal action taken by a client. Compensation claims usually arise from property damage or alleged negligent advice.
Public liability insurance helps cover court costs, other legal costs, and provides protection against compensation claims, and provides help throughout the claims process.
Contractors & Sub Contractors Insurance For Electricians
Sub-contractors must consider their insurance needs and choose the right insurance types, including public liability insurance or professional indemnity cover.
Contractors insurance, including professional indemnity insurance, helps protect against negligent services and is essential for electrical contractors in order to continue working with an appropriate cover limit.
Tools of the Trade: Van Insurance & Tools Insurance
There are other optional covers for electricians too, like van insurance cover, which is essential for those who use a van for work, as it provides protection against damage to the van and its contents.
Tools insurance covers the cost of stolen valuable tools for domestic and commercial electricians and is sometimes offered as additional cover in other insurance policies.
Electricians’ Insurance FAQs
Can I check if an electrician is registered?
You can check the status of your electrician’s insurance via the NICEIC website online system.
What is the difference between PI and PL insurance?
Public liability is tailored for claims by members of the public for injury, illness or damage while professional indemnity covers claims by clients for professional mistakes or negligence.
How much roughly does public liability insurance cost?
In the UK, public liability insurance can cost around £15 paying monthly, but the price of insurance options varies between insurance companies.