Electrical Contractors' insurance
Why do you need electrical contractors insurance?
Whilst there may be many cowboy builders and ‘jacks of all trades’ in existence, if you’re a specialised electrical contractor working in a higher risk trade, standard insurance policies simply won’t cut it. With over 10 years’ experience of catering for the electrical, fire and security industries, Jelf understands your insurance needs.
- Market leading cover for electrical contractors
In conjunction with a leading insurer, we can offer an exclusive electrical contractors’ insurance policy. This is also complemented by our operational excellence and exceptional client service.
- Risk management
We suggest ways to manage your risk, putting you in a better position with insurers and reducing the need to claim.
- Advice when it counts
As an electrical contractor, you may find that off-the-shelf policies are often sold on an unadvised basis. You could end up taking out cover that you don’t need, or missing cover you really do need. Our service prevents exposure to unnecessary risks by providing tailored cover to meet your specific requirements.
How our contractors insurance team can help
Electrical, Fire and Security contractors are generally considered to be high-risk roles. So we have worked with a leading insurer to provide you with cover tailored to your trade. With an insurer, who like us, understands your industry, we can provide you with a policy that truly delivers.
Fire safety contractors
Whilst some electrical contractors may also include works within the fire industries, you may also provide standalone services, for which you’ll need specific fire safety insurance. We can offer specialised cover to help protect you and your business from the risks you face.
If you are a security contractor, you’ll need insurance cover that reflects your unique risks. We are able to offer specialist cover, allowing you and your business to continue to trade should the worst occur.
What can electrical contractors insurance include?
Public liability insurance
Provides cover of up to £10 Million, protecting you in case your activities injure a client, contractor or member of the public. Plus damage to third party property, including to the item being worked upon.
Employers' liability insurance
Cover for your employees and labour only sub-contractors, with no need to declare employee numbers.
This will cover losses resulting from a product or service failing to fulfil its function, such as an intruder alarm.
No subcontractors warranty
Part of our standard cover, ensuring you are not exposed.
Professional indemnity cover
We give this cover automatically within the policy, protecting the advice you give up to a value of £500,000, with the ability to increase if required.
24/7 tools cover
This includes whilst kept in unattended vehicles, with the proviso that tools are kept out of sight.
Management liability portfolio
Provides cover in case of a claim against your business or its directors.
- Interest free payment by direct debit
- No automatic height limit applied to the policy
- Legal expenses up to £100,000
- A simple renewal process
Frequently asked questions
The latest contractors insurance articles in our knowledge centre
As a contractor, when you take out insurance it pays to understand what you need cover wise, but also why and how those covers ensure you’re in a better position when it comes to potential claims.
If you’re involved in any kind of contracting, you’ll probably have been asked about payments you make to sub-contractors and whether they are bona fide or labour-only. So to help clarify things, here is a simple guide