Electricians Insurance
Protect your electrical business with cover tailored to the risks you actually face, from accidental damage on site to third-party claims.
Get in touchWhat is electricians insurance?
Electricians insurance is a package of policies that protects electrical contractors and sole traders from the risks of working on domestic and commercial properties. It typically combines public liability, employers liability, professional indemnity and tools cover into a single, manageable policy.
Whether you are rewiring a house, installing consumer units, or maintaining industrial equipment, the right cover means a single claim will not derail your business.
Cecil works with insurers who understand the electrical trade, so you get cover that actually fits, not a generic tradesperson product that leaves gaps.
Public Liability
Covers claims from third parties for injury or property damage caused by your work.
Employers Liability
Required by law if you employ anyone. Covers employee injury or illness claims.
Professional Indemnity
Protects you if a client claims your advice or design caused them a financial loss.
Tools and Equipment
Covers the cost of replacing stolen or damaged tools and electrical equipment.
Who needs electricians insurance?
Sole trader electricians
Working alone on domestic or commercial jobs
Electrical contractors
Running a team of employed or subcontracted electricians
EV charger installers
Specialising in domestic or commercial EV charging points
Solar PV installers
Installing and maintaining photovoltaic systems
PAT testers
Carrying out portable appliance testing for businesses
Emergency electricians
Providing out-of-hours call-out services
WHY CECIL
Built differently.
We understand the trade
Cecil works with insurers who cover electrical contractors day in, day out. You get a policy built around how you actually work, not a generic tradesperson product.
Fast, straightforward quotes
No lengthy forms or insurance jargon. Tell us about your work and we will find options through insurers who know the electrical contracting market.
Cover for the risks that matter
From tool theft to wiring disputes, we make sure the covers that electricians actually claim on are included. No gaps, no surprises.
Support when you need it
If something goes wrong on a job, you want your insurer to respond quickly. Cecil only works with insurers rated for their claims handling.
Common questions about electricians insurance
Do I need public liability insurance as an electrician in the UK?
Public liability insurance is not a legal requirement for self-employed electricians, but most clients, especially larger commercial ones, will ask to see a certificate before letting you on site. Many industry bodies and trade scheme memberships also require it as a condition of joining.
Does electricians insurance cover subcontractors?
Standard policies typically cover your direct employees. If you use subcontractors, check whether your policy extends to them or whether they need their own cover in place. Some insurers will include labour-only subcontractors automatically, so it is worth confirming before you start a job.
Do electricians need professional indemnity insurance?
If you design electrical systems, produce specifications, or give technical advice to clients, professional indemnity is worth having. If a client claims your design or recommendation caused them a financial loss, it covers your legal costs and any damages awarded.
Interested in Electricians insurance?
We will be in contact when Cecil launches.