A professional electrical contractor will typically have different types of insurance depending on the work they carry out, including:
Public Liability Insurance
This protects against claims if someone is injured or property is damaged as a result of the electrician’s work. For example, if electrical work accidentally caused damage to your property, public liability insurance could help cover the associated claim.
Employers’ Liability Insurance
If an electrical company employs staff, employers’ liability insurance is generally required by law. It provides protection if an employee becomes ill or injured as a result of their work.
Professional Indemnity Insurance
This can provide protection against certain claims relating to professional advice, designs or other professional services, depending on the contractor’s policy.
