Electrical Contractors Public Liability Insurance

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Protect Your Electrical Contractor Business with Trident Insurance

As an electrical contractor, you deal with potential risks that electricity can pose for you and your customers. As you turn up with your tool kit, you spend your days installing and fixing electrical and lighting systems, sparking plugs and dodgy wiring shudders. Things can go wrong in split seconds, and the consequences can be dire. That’s why insurance coverage for your electrical contractor business is essential. Trident Insurance has been helping UK’s electrical contractors with the correct public liability insurance cover for over a decade. Knowing you have the proper protection can help keep you going. In addition, electricians and electrical contractors need insurance tailored to the risks they face. We have the customized coverage you need for your business.

Does Electrical Contractor Need Insurance?

The good news is that UK law doesn’t require you to take out public liability insurance as an electrician or electrical contractor. However, as an electrical contractor, you know the job has inherent risks. For example, one cannot guarantee that small fires will not erupt. A simple mistake can cut off the power for an entire office building. With live wires, electrical currents, and technical work, it’s a surprise that accidents don’t happen more often. But accidents do happen. According to the Health and Safety Executive’s (HSE) report, Workplace fatal injuries in Great Britain 2021, a total of nine injuries occurred due to contact with electricity in 2020-2021.

The electrical contractor also has to deal with situations where the electricity doesn’t cause a problem, but people and property can still get hurt. For example, clients can trip over extension cords, or your subcontractor can accidentally dent a client’s car while unloading or moving the equipment from your company van or the workplace.

Electrical contractor insurance is general liability insurance designed to protect the electrical contracting business when accidents occur. In addition, this insurance gives coverage to your business in the event of any claims from clients and third parties that they suffered bodily injury or property damage due to your work.

Electrical contractors need this insurance to protect their business finances and reputation. Claims of bodily injury or property damage and the steep legal defence and medical costs that come with them will be huge. Therefore, taking electrical contractor insurance is not necessary, but wise to consider it.

The Benefit of Electrical Contractor Insurance

Electrical contractor insurance arranged by Trident protects electricians and electrical contractors from liability of different claims. The Trident insurance policy covers many risks facing contractors designing and consultancy electrical systems, insulation, installation and wiring. We know the right questions to ask to ensure you get adequate protection. As a result, the final insurance coverage will be unique and precisely tailored to your business. Moreover, you don’t pay for the coverage you don’t require.

Coverage From Public Liability

Electrical contractors have frequent contact with the public, including clients, visitors and fellow sub-contractors. As a result, claims may arise from any one of these individuals. For example, a claim can be that they had suffered bodily harm or damage to their property from your work, and your business activities may be responsible. Public Liability cover will protect you financially in these cases.

Coverage for Contract Work

Electrical contractors working on building sites are susceptible to risks. There are risks from electrical storms to vandalism. Contract Works insurance will cover the cost of your time and new fittings, equipment, and materials.

Employers Liability Coverage

Employers Liability Cover is a legal requirement if you employ staff – including anyone working for you, on a part-time or casual basis. Electrical contractor insurance from Trident will protect you from legal defence and payout costs if an employee claims your business activities have caused damage to their person or property.

Coverage for Electrical Equipments

Electrical contractors depend highly on tools and equipment to do a job within the contracted time. You could lose significant income and pay for replacements if your devices were lost or stolen. Tools Cover perfectly complements any electrical contractor insurance plan by paying for lost, damaged or stolen equipment.

Insurance Cover For Electrical Contractors

Why Choose Trident Electrical Contractor Insurance

Our in-depth industry knowledge enables us to build a competitively priced electrical contractor policy covering all aspects of the electrical contracting job. In addition, if an insurance claim is required, our bespoke electrical contractor insurance policy ensures your business suffers as little disruption as possible.

Our Process

We like to keep our process simple and straightforward. Take a look below at how we get your insurance policy into play.