Electrical Contractors Insurance - Darwin Clayton
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Electrical contractors insurance


Get specialist electrical contractors insurance designed to cover your business’s risks through the specialists at Darwin Clayton. To discuss your business’s insurance needs or to get an electrical contractors insurance quote, call us on 01892 511 144 or follow the links below.

Why get electrical contractors insurance through Darwin Clayton?

Darwin Clayton has been helping electrical contractors get the specialist cover they need for many years now.  We have a deep understanding of your industry, and working with us offers you the following advantages:

As you can see from the following client testimonial, your business insurance is in excellent hands with Darwin Clayton

"We have had a strong relationship with Darwin Clayton for many years, and I have always been extremely satisfied with the professional service and competitive premiums that they provide. I look forward to continuing our working relationship in the years to come."
Michael Briggs
PMS Electrical Services Limited

What is electrical contractors insurance?

Electrical contractors insurance offers financial protection against any losses your business incurs through its day-to-day operations. The exact level of protection will be dependent on things like the services your business provides and whether you have any employees. However, standard covers include:

What does insurance for electrical contractors cover?

All electrical contractor businesses are unique, and the covers that will be included in your electrical contractors insurance will depend on your working environment and the services you offer.  Darwin Clayton has a long history of providing electrical contractors with specialist insurance solutions, offering essential covers such as:

Also known as EL insurance. This cover is a legal requirement if your business has staff. It provides compensation for employee injuries or illnesses incurred at work. If you hire people without having EL insurance cover, you can face fines of up to £2,500 for each day. 

Public liability for electrical contractors provides protection when you or your employees are held liable for accidents that caused injury to your clients, customers, or the public, or if their property was damaged because of your business activities.

The electrical contractors’ insurance we arrange includes an extension of cover for damage to property being worked upon. So, if you accidentally damage electrical equipment you are working on, this will protect you against the cost of repair or replacement. Not all policies offer this level of protection.

Covers your business if the products you supply to customers cause damage or injury, you could be held liable in the event of the claim. 

If an electrical product you supply fails to perform its intended function, this could result in disastrous consequences and significant losses for your clients. This cover will protect your business for the resulting claim investigation, defence, legal proceedings, and compensation.

If you are unfortunate and one of your employees stole money or property from you or from your customer, this cover will protect you from losses caused by this dishonest act.

If you’re entrusted with a client’s keys, and you lose them, this will cover the cost of replacing the keys and a change of locks if necessary.

Financial loss insurance covers your business against losses which you become legally liable to pay as compensation, plus costs and expenses for accidental financial loss where no damage has occurred.

As with any insurance policy there are terms and exclusions, we will discuss this with you during the quotation process.

What are the policy options for electrical contractors insurance?

Your electrical insurance solution may need additional covers depending on the nature of your work. Additional options include:

Commonly known as PI insurance, is crucial for safeguarding your business, particularly if it is involved in consultancy, design or advisory services. Despite thorough staff training, a company can’t fully control how its employees perform their work, which leaves it vulnerable to liability claims.

Covers your office contents, computer equipment, trade plant and machinery, stock, and buildings.

Covers financial losses following an incident such as fire or flood, protecting your business should you incur additional costs to continue trading to your previous level.

Covers financial losses following an incident such as fire or flood, protecting your business should you incur additional costs to continue trading to your previous level.

This covers the value of the work being carried out prior to completion of the contract.  It insures the works against accidental loss, damage, or destruction.

Covers damage to plant and tools that you own whilst at the contract site, in transit or at your premises. 

This covers damage to plant hired in by you whilst at the contract site, in transit or at your premises.

This covers physical loss or damage to tools belonging to employees, principals, partners, or directors within territorial limits.

Covers the value of your goods in transit to your customer’s premisses.

This covers physical loss or damage to specified plant, equipment, or stock anywhere in the UK. 

With the many risks faced by businesses, seeking legal advice and formulating legal documents, such as employment contracts, can be time-consuming and expensive when the services of solicitors and other legal experts are engaged. Legal expenses cover not only offers the services of legal representation but also provides free legal advice on a range of legal problems and access to a suite of helpful documents.

This cover will protect your business from losses and damage resulting from acts of terrorism.

Does Darwin Clayton offer any additional policies to protect your business?

Depending on the needs of your business we can help you with a range of additional insurance requirements:

The UK has seen a significant rise in cyber-attacks, as highlighted by the 2023 Cyber Security Breaches Survey conducted for the UK Government, revealing that 59% of medium-sized organisations reported experiencing a cyber security breach or attack within the past 12 months. As this threat escalates, considering a cyber insurance quote becomes more important for a modern business.

Often referred to as directors & officers (D&O) insurance, protects against the expenses related to compensation claims filed against your directors, officers, or top-level management for purported wrongful actions. These claims may arise from various sources, including dissatisfied employees, clients, investors, stakeholders, and regulatory bodies, and might encompass civil, criminal, or regulatory proceedings. Additionally, a management liability policy can include coverage for legal expenses incurred by directors in their defence during such cases.

This cover offers you a loss adjuster to work on your behalf to investigate and present your property and business interruption claim to the insurer. This cover can be invaluable if your business suffers a serious loss following a flood or fire. 

  • Motor fleet insurance covers your multiple vehicles on a single policy. It can be a mix of vehicles, including vans, cars, and trucks.
  • Uninsured loss recovery insurance pays for a solicitor to pursue a guilty third party for recovery of your uninsured losses such as policy excess, hire vehicle charge, loss of earnings; as well as costs to pursue a personal injury claim
  • GAP insurance will cover the outstanding balance of a finance or lease agreement on your motor vehicle following its write-off or up to 25% of the write-off value.

This insurance cover includes three core elements: 

  • A separate cover for your computer equipment
  • Contractors plant covers your machinery such as a cherry picker or MEWP
  • As your equipment should be inspected regularly, this policy covers you for statutory inspection service

If one of your employees has an accident, and it leads to temporary or permanent disablement, or even death, a benefit payment will be made. Business travel can also be added to this cover.  

If a customer fails to pay you for services or products, whether it’s due to insolvency, refusal, or inability to pay, credit insurance will indemnify your losses. The insurance will also provide insights into customers credit ratings and what limits of credits to offer. 

Performance bonds are a type of surety bond and are written promises to pay for direct loss of damage suffered by third party as a result of a breach of contract. Performance bonds are typically issued for 10% of contract value and are common with construction projects to protect the employer against the contractor failing.

Electrical contractors insurance FAQs

Getting the right insurance is crucial for electrical contractors.  To help you do that, we’ve put together a list of frequently asked questions about insurance for electrical contractors. We hope you find these answers useful. However, if you require further guidance, please call us on 01892 511 144 and our team of friendly insurance professionals will be happy to help. 

An electrical contractor with staff must have a minimum of £5 m employers’ liability insurance, it’s a legal requirement.

Your specific insurance needs may vary depending on the service your business offers and your clients’ needs. Common covers include public liability, employers’ liability, product liability, professional indemnity, contract works and tools insurance.

Because accidents happen.  Accidental damage to a client’s property, injury to a third party, stolen or damaged equipment and other unexpected events could make your business lose money, result in lost business opportunities, or affect your business’s operations. A good electrical contractors’ insurance policy provides cover should these situations arise, protecting your business from legal and financial liabilities.

Having the appropriate insurance cover is not only a responsible business practice but also a way to protect the financial stability of your electrical contractor’s business in the event of unexpected incidents or accidents. It gives peace of mind to both the contractor and their clients and ensures that the business can continue to operate effectively.

Getting a quote is easy.  Just give us a call on 01892 511 144, and our experienced team will help you find the right protection for your electrical contractors’ business.  We understand your industry well and will work with you to tailor insurance solution that fits your electrical business.

That will depend on the level of protection your business requires, your annual wages and turnover, what equipment you have, your claims history, etc. If you would like to get an electrical contractors insurance quote, call us on 01892 511 144 or start your quote here.

Like some electrical contractors insurance help?

If you’d like some help with your electrical contractors Insurance, please give us a call on 01892 511 144. Our team of insurance professionals are happy to help you get the protection you need and offer you an electrical contractors insurance quote.