Public liability insurance for Electricians

Why electricians need liability insurance

When you are working with electricity, a number of problems can occur. The number one cause for concern with electrical work would be an electric shock to a third-party, maybe because a wire has been left exposed. This is the reason why public liability insurance is crucial.

It protects you and your business from the cost of any unforseen circumstances that an electrician could be liable for, which may develop into financial hardship for you and your company. Public liability insurance for electricians is not mandatory but essential to ensure your business’ survival.

Common types of claims

• You break a client’s kitchen unit whilst installing a new light fitting
• A member of the public trips and injures themselves on a wire trailing across the floor
• A client receives an electric shock from a wire

This cover is optional but Ashburnham recommend that you certainly consider having it. You are bound to give advice to clients from time to time and you are also providing them with a service. If a mistake is made and you are found to be negligent or your advice is not correct, they may seek financial compensation from you. Professional indemnity insurance provides cover for the legal costs in defending the claim as well as compensation to the client to rectify your mistake.

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