General FAQs

What is recommended depends on the type of work you do, who you work for, and what your contracts require. Many electricians consider public liability for third party injury or property damage claims connected to their work, and product liability if they supply products as part of a job, such as switchboards or fittings. Tools and equipment insurance can also be important, because it is designed for loss or damage to your tools, including certain theft scenarios, depending on the policy conditions. Sole traders often also look at personal accident and sickness cover, because there is usually no paid leave if you cannot work. If you rely on a work vehicle, commercial motor cover may be relevant. Professional indemnity can also be relevant if you provide design, consulting, specification, or certification services, especially where contracts place responsibility on you for those outcomes.

Example: If you do shopping centre maintenance, the centre manager may require public liability, and tools cover may be worth considering because tools are often stored in vehicles or on site.

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