As well as public liability, you can choose to add the following to your specialist electricians’ insurance:
Employers’ liability cover
If you employ people who are not direct family members – even if you only have one employee – you’re required by UK law to have employers’ liability insurance. You can be fined £2,500 every day that you’re not properly insured.
This can protect you if an employee injures themselves or becomes ill as a result of working for you. You must be covered for at least £5 million.
There were 14 deaths from contact with electricity or electrical discharge, according to the Health and Safety Executive stats for the period 2012/13 to 2016/17. And there are around 64,000 non-fatal injuries to workers, and 80,000 workers suffering from work-related illnesses each year, so if you’re an employer, cover is essential.
You need to keep up to date with Health and Safety at Work regulations – if you don’t, it might invalidate your employers’ liability insurance.
Tool and equipment cover
Electricians’ tools and testing equipment can be very expensive.
Tool and equipment cover can insure your work tools and equipment, so you’ll be able to replace them quickly without it costing you more than your agreed policy excess.
Business interruption insurance
If your tools or equipment are damaged or stolen, you may be unable to work until they’re replaced. Business interruption insurance could compensate you for lost sales while your business is out of action.