Compare business insurance quotes from leading UK insurers
What is electricians' insurance?
Electricians' insurance is specialised business insurance for electrician companies, sole traders and contractors.
You can buy different types of insurance:
Tool insurance - covers costs if your equipment is lost, damaged or stolen
Public liability insurance - covers costs if members of the public are harmed
Employers liability insurance - covers costs if employees are harmed
Do I need to be insured?
🚩 Employers liability insurance is a legal requirement if you have staff
🚩 Clients may insist you have public liability insurance
Whether you own a electrician business or are a self-employed electrician, insurance can financially protect you if something goes wrong at work.
Without insurance you could end up paying some very high costs if your equipment is damaged, your employee is hurt, or your work creates a major issue.
Do I need public liability insurance as an electrician?
No, public liability insurance is not a legal requirement for electricians, but it is highly recommended because it protects your business from legal claims and is often required by clients and organisations.
The cover handles claims for property damage or injury to a third party (such as a customer) caused by your work, preventing financial losses from accidents like a customer tripping over your equipment or a fire caused by a faulty installation.
Why should I get electrician insurance?
Clients are more likely to hire you: People are often wary about hiring electricians without insurance, especially if you're a commercial electrician. Government contracts, for example, will usually insist you have an electrician public liability insurance policy of at least £5-£10 million
Protection for stolen or damaged tools: Tool cover can offer similar protection for tools. The risk of some types of equipment losses is growing. London saw tool theft from vans increase by 60% between 2020 and 2023
Avoid a £2,500 fine: If you are a UK business and you have any non-family members working for you then by law you must have employers liability insurance. Without it, you can be fined up to £2,500 for every day you're not insured. This will also cover you against staff injuries
Helps cover legal costs: From fire risks to faulty circuits, your insurance can help cover the costs of accidental damage, whether it's a client, supplier, or member of the public
Did you know?
£68 million in insurance claims ^
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
What insurance types might an electrician need?
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Public liability
Public liability insurance protects you if your work harms members of the public.
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Employers' liability
Employers’ liability insurance protects you if your staff become ill or injured at work.
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Tools insurance
Tool insurance covers costs if your tools are stolen, damaged, or lost.
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Business interruption
Business interruption insurance protects against disruption from events like fires.
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Personal accident insurance
Personal accident insurance protects you if you're injured.
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Commercial van
Business van insurance protects your work vehicle and its contents.
How much does electricians' insurance cost?
Per year | Cheapest | Average |
|---|---|---|
Electrician | £63.97 ^ | £88.30 ^ |
The table shows the average prices paid by our customers for electricians' insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
What’s the cheapest price I could pay?
£5.33 ^ a month
According to our latest data, 10% of customers paid this when taking out an annual electricians' insurance policy.
How much is the average business insurance claim?
£3,377^
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
Will my insurance pay out?
88% of Simply Business claims^
Almost 9 in 10 of business insurance claims made by MoneySuperMarket customers were accepted last year.
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
What is and isn't covered by electricians insurance?
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Covered
Your tools and equipment: Cover to repair and replace any of your tools and equipment that are damaged or stolen
Financial loss: Compensation payouts to third parties that had their person or property harmed by your work
Your van: Standard motor insurance policies won't usually cover vehicles such as vans that are used for work
Personal accident insurance: Offers a lump sum payment if you or an employee are hurt and no longer able to work
Accidental death: Offers a lump sum should you or an employee die as a result of an unforeseen incident
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Not covered
Intentional harm or damage: Either by yourself or an employee
Poor workmanship: Most insurance policies won't cover you for events that are caused by incompetence
Drugs or alcohol: If you or your employees were under the influence when the event you want to claim for occurred
Wear and tear: Insurance won't pay out for damage or breaking of tools or equipment that are the result of general wear and tear
Breach of contract: Some types of insurance will exclude cover for costs arising from you breaching a contract
Our expert says…
No matter how much experience you have as an electrician, accidents can happen. In 2023-2024, 1.7 million working people had a work-related illness, and if you’re self employed and can’t work, you’ll also lose out on your regular income.
This is where insurance can be a financial lifeline as it can cover your income if you’re unable to work along with a host of other things, from your tools and equipment to claims made by clients or members of the public.”
Rebecca Goodman Personal Finance & Insurance Expert
What other trades could I get insurance for?
Why compare electrician insurance with MoneySuperMarket?
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Quick and easy
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Save money
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How much public liability insurance do I need as an electrician?
The amount of public liability insurance you need as an electrician depends on several factors, including the type of work you do, the size of your business, and the potential risks involved.
Generally, it is recommended that electricians have at least £1 million of public liability insurance, but some jobs or clients may require higher levels of coverage.
What insurance am I legally required to have as an electrician?
The only insurance you are legally required to have as an electrician is employers liability insurance, if you hire other employees. However, public liability insurance is strongly recommended as it covers you if a member of the public suffers injury or property damage as a result of your work.
Do I need electricians insurance if I'm a subcontractor?
You don’t legally need electricians insurance if you are a subcontractor and you may already be covered under the primary contractor’s policy. However, don’t assume you are covered and ask to look at the policy in place first. It may be the case that you choose to buy your own insurance policy which provides more cover.
Do I need electricians' insurance if I'm self employed?
If you are a self-employed electrician, you will also need to think about insurance to cover you if you’re unable to work. This can include business insurance to cover your income but also policies like critical illness cover.
Do electricians need professional indemnity insurance?
Professional indemnity insurance isn’t a legal requirement for an electrician but it is recommended. That’s because without it, you could be liable to pay out compensation and legal fees if a customer takes you to court because they claim advice you gave has left them out of pocket.
You may be required to have this type of insurance to join certain trade bodies too.
How much professional indemnity insurance do I need for an electrician?
Professional indemnity insurance isn’t a requirement of being an electrician but you will need it if you are a member of some trade bodies, You will need to have at least £250,000 of professional indemnity insurance if you’re registered with the trade body, the National Inspection Council for Electrical Installation Contracting (NICEIC), for example.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is business insurance eligible for SuperSaveClub and rewards?
No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Who are Simply Business?
Simply Business is one of the largest insurance brokers in the UK. They work with leading and specialist insurers to provide cover for small business owners, landlords and self-employed workers.
MoneySuperMarket has a commercial partnership with Simply Business. They offer various business and landlord insurance policies from different insurers through our platform, allowing our customers to find affordable quotes and policies that suit your specific needs.
Reviewed on 12 Dec 2025 by
According to Simply Business data, 10% of customers paid this amount or less per month for an electricians' insurance policy. Figure based on policies purchased in 2024.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
According to Simply Business data, 10% of customers paid this amount or less for an annual electricians' insurance policy. Figure based on policies purchased in 2024.
According to Simply Business data, 51% of customers paid this amount or less for an annual electricians' insurance policy. Figure based on policies purchased in 2024.
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
Simply Business data 2024