For self employed tradesmen such as electricians they should ideally have at least the minimum of electricians insurance covering public liability. Insurers and brokers offering this type of insurance policy place this in the tradesman insurance category. Should a third party claim arise for injury or property damage due to your negligence then without an electricians insurance policy your business could face financial ruin. Most people assume that the cost of public liability insurance for electrical contractors will cost amounting to a small mortgage. The reality is this type of insurance can easily be purchased online for a surprisingly small amount.

As part of an electrician insurance policy many additional options are available to provide extra levels of cover. For example as part of your job you will have tools and possibly a van. Specialist tools can cost a lot of money to replace. Tools cover is available as an add-on to the electrician liability insurance for small additional premium. Another important add-on to the policy is the legal expenses cover. If there was a claim against you the legal expenses policy will take care of defending the case. This can potentially cost many thousands of pounds but with a legal expenses policy you do not have to worry about this.

If your electrical contracting business employs staff then you will definitely also require Employers Liability Insurance to protect you against claims for personal injury from your employees. Again most online electricians insurance quote engines offer this as an additional component to the standard public liability cover.

Active Insurance has been providing low cost cover for electricians insurance for over 16 years, with instant online quotes compared from multiple insurers.