Insurance for Electricians

Specialist insurance for electricians, built around the real risks of working with electrical systems across commercial, industrial and residential sites.

Whether you’re a sole trader or managing multiple electrical teams, we’ll help you secure the right cover to stay compliant, protect your business and meet client requirements with confidence.

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Tailored Cover for UK Trades & Contractors

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Insurance for Electricians

Electrician insurance is necessary to run a compliant and professional electrical business.

At CHAS Insurance, we arrange specialist electrical contractor insurance for sole traders, small teams and established firms across the UK. We build policies around your trade and the types of electrical work you carry out.

Electrical work carries high risks of fire, electric shock or damage to a property’s systems. Having the right public liability insurance and business cover in place helps protect your business against claims, accidents and unexpected costs.

As a national insurance broker, we work with electricians and electrical contractors accredited by organisations including CHAS, NICEIC, SafeContractor and Constructionline.

Contact CHAS Insurance today to arrange specialist electricians’ insurance.

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We’ll contact you within 48 hours to discuss your insurance quote and get set up.

Electrical Contractor Insurance

Electrical contractor insurance protects electricians, contractors and self-employed tradespeople from financial risks, including injury claims and damaged property and tools.

Public liability insurance
Tools insurance
Professional indemnity insurance
Employers’ Liability Insurance

At CHAS Insurance, we arrange bespoke electrical contractor insurance designed around the type of electrical work you carry out, helping protect your business against the specific risks and liabilities that come with working on-site, in clients’ homes and in commercial environments.

Labour-only subcontractors are treated under employers’ liability insurance and are classed as employees for insurance purposes. If they are not declared correctly, your business may not be fully covered if a claim is made.

At CHAS Insurance, we take time to understand how your business is structured, who you work with and what your contracts require, then make sure your policy is set up correctly.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Electrician Insurance Cover?

Electrician insurance is typically built from a combination of covers tailored to your trade and the way you work.

Public Liability Insurance for Electricians

Public liability insurance for electricians protects against claims for accidental injury or damage to a third party caused during your electrical work. It covers your legal defence costs and compensation.

For electricians, this could include:

A fire caused by a faulty installation
Damage to a client’s existing systems or structure
Injury to a member of the public during or after your work
Water damage caused when chasing cables through walls

Electrician public liability cover ensures your business is protected if something goes wrong.

Employers’ Liability Insurance

If you employ staff or use labour-only subcontractors, this is a legal requirement and a core part of any business insurance policy.

It covers claims from employees who are injured or become ill as a result of their work. Electrical work carries risks, and protecting your employees from the financial consequences of injury or illness is both a legal duty and a practical necessity.

Tools and Equipment Cover

Electricians carry significant value in test equipment, power tools and cables. Tools are regularly transported between sites or left in vans overnight, making them a common target for theft.

Tools insurance covers theft, loss or damage to your tools and equipment, helping keep your business running after unexpected incidents.

Professional Indemnity Insurance for Electricians

Professional indemnity insurance for electricians is increasingly important.

If your contracts include any element of design, specifying a system or producing electrical drawings, you may be held responsible for errors in that work.

Professional indemnity insurance covers the legal and compensation costs that can arise from those claims. At CHAS Insurance, we can assess the level of design responsibility in your contracts and arrange the right level of indemnity insurance.

Supporting Accredited Electricians

At CHAS Insurance, we work with electricians and liability insurance for electrical contractor clients who are accredited through:

CHAS

Constructionline

SafeContractor

These schemes carry specific insurance requirements. We know what each one expects and make sure your insurance aligns with those standards so you remain compliant and are able to tender for the work they make available.

Get an Electrician Insurance Quote

At CHAS Insurance, we arrange tailored insurance for electricians, electrical businesses and self-employed traders across the UK.

We build policies around how you operate, the type of electrical work you carry out and the clients and contracts you work with.

Speak to our team today for a tailored quote and clear advice on the cover you need.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is electrician insurance a legal requirement?

Employers’ liability insurance is the only legal requirement for electricians if you hire staff or subcontractors.

Public liability and professional indemnity insurance are not required by law but are expected by clients and main contractors. These levels of protection are routinely a stated condition before you can start work on site.
Do electricians need professional indemnity insurance?

Electricians who include any design element in their work, such as designing an installation or specifying systems, need professional indemnity insurance. Without it, a claim arising from a design error would not be covered. Some clients, particularly in the commercial sector, specify it as a contractual requirement. We can review your contracts and arrange this cover as part of a single policy.
Do self-employed electricians need insurance?

Yes, although it isn’t a legal requirement, self-employed electricians need public liability insurance in practice for protection against damage, injuries and legal disputes. Clients routinely ask for proof of electrician public liability cover before work begins, and many will not allow you on site without it. If you use any labour-only subcontractors, employers’ liability insurance becomes a legal requirement regardless of your employment status.