Electricians are among the most in-demand tradespeople across the UK. From installing new systems in homes to carrying out essential repairs on commercial premises, the role of an electrician is vital. But with that responsibility comes risk. Electrical work is complex and potentially hazardous, and even the most experienced professional can face accidents or claims if something goes wrong. That’s where public liability insurance becomes a crucial safeguard.
At Ashburnham Insurance, we regularly speak to electricians who want to understand what situations could put them at risk of a claim. By looking at some of the most common electrical mishaps, we can show why adequate cover is essential and how it protects both your business and your customers.
Faulty Wiring and Installations
One of the leading causes of liability claims against electricians is faulty wiring. A simple mistake during installation, such as a loose connection or an incorrectly wired socket, can create a significant hazard. In some cases, this might result in electrical fires that cause damage to a customer’s property. In others, it could lead to power failures that disrupt a business or household. Even when the error is minor, the cost of putting it right can be substantial, and the customer may seek compensation. Public liability insurance ensures that the financial burden of such claims doesn’t fall entirely on your shoulders.
Property Damage During Work
Electrical work often takes place in environments filled with valuable items such as furniture, equipment, stock, or even irreplaceable personal belongings. It only takes a dropped tool or an accidental drill through a pipe to cause damage that leads to a claim.
Imagine working in a customer’s office and accidentally damaging their IT equipment, or carrying out a repair in a kitchen and leaving a scorch mark on a worktop. These incidents are more common than many tradespeople realise, and without insurance, the cost of repair or replacement can quickly escalate.
Injuries to Customers or the Public
Perhaps the most concerning mishaps are those that result in injury. If faulty wiring causes an electric shock, or if an extension lead is left trailing and someone trips, the injured party may bring a claim against you. Such claims can be complex and expensive, covering not only medical costs but also compensation for lost earnings or pain and suffering. For self-employed electricians or small firms, these costs could be devastating without liability insurance in place.
Fires and Overheating
Electrical fires are a serious risk that can arise from poorly fitted components, overloaded circuits, or substandard materials. Even when the fault isn’t immediately apparent, an issue can develop weeks or months after the work has been completed. If an investigation later reveals that the cause was linked to your installation, you may face a liability claim. Public liability insurance gives you the reassurance that, should such an unfortunate event occur, you have financial protection to back you up.
Miscommunication and Human Error
Not all liability claims arise from dangerous mistakes. Sometimes, it’s as simple as miscommunication between you and your client. For example, an electrician may be asked to rewire a section of a property but misunderstand which circuit is involved, leading to downtime for a business or a household left without power. Even if the error doesn’t create a safety hazard, the inconvenience and potential financial losses for the customer can result in a claim. Public liability insurance doesn’t prevent mistakes from happening, but it does mean that you are not left exposed if a client seeks compensation.
Why Public Liability Insurance Matters
For electricians, public liability insurance is a practical safety net that protects you against the unpredictable. It covers the legal costs of defending a claim, the compensation awarded if you are found liable, and the expenses associated with property damage or injury. Without it, one accident could threaten the survival of your business.
At Ashburnham Insurance, we know that no two electricians work in exactly the same way. Some focus on domestic call-outs, while others take on large-scale commercial projects. The risks may vary, but the need for protection is universal. That’s why we tailor policies to fit the specific nature of your work, ensuring you only pay for the cover you need.
Peace of Mind for You and Your Customers
Having liability insurance reassures your customers. When clients see that you are insured, it gives them confidence that they are dealing with a professional who takes their responsibilities seriously. It shows you are prepared for the unexpected and committed to putting things right if an accident happens.
Protecting Your Electrical Business
Electrical work carries inherent risks, from faulty wiring and property damage to injuries and fires. Even when you take every precaution and follow best practices, accidents can happen. The difference lies in how well prepared you are when they do. Public liability insurance provides the safety net that keeps your business secure, covers unexpected costs, and protects your reputation.
At Ashburnham Insurance, we specialise in arranging public liability insurance for electricians of all sizes. Whether you’re self-employed or run a larger team, we can help you find the right level of cover at a competitive price, explained in plain English and without unnecessary jargon. Get in touch with us today to make sure your electrical business is properly protected against the risks that come with the job.