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Electrical Contractors Insurance

Our electrical contractors insurance offers comprehensive protection, expertly tailored to your specific needs.

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Whether you’re a self-employed sole trader or have a small to medium-sized electrical contracting business, we’re here to help.

We provide bespoke insurance solutions covering electrical contractors who specialise in domestic, commercial, installation, maintenance, electrotechnical engineering or highway electrical systems (or even a combination of these). As a broker, we’re able to arrange cover that’s unique to your individual needs.

Electrical contractors insurance offers peace of mind and, more importantly, allows you to trade without having to worry about what adverse events may (or may not) be around the corner. 

Our policies provide far wider cover than is generally available under a standard insurance policy and come with a whole host of benefits as standard.

Electrical contractors insurance policy features*

Electrical contractors’ insurance usually covers:

  • Employer liability
  • Public and products liability
  • Professional indemnity
  • contract works (to protect the materials you are using both on-site and in transit)
  • Business interruption and money.

 Optional cover can include:

  • Personal accident
  • Financial loss
  • Tools and plant
  • Efficacy
  • Directors and officers. 

Typical exclusions would include: 

  • Hazardous locations
  • Asbestos
  • Theft of tools from unattended vehicles.
    What is electrical contractors insurance?

    Electrical contractors insurance is a comprehensive package that protects electricians, electrical engineers and similar contractors from the diverse risks inherent in their work. As well as covering liabilities, electrical contractors insurance safeguards your day-to-day business operations.

    Do electrical contractors need insurance?

    Employers, including those who hire contractors or temp workers, are legally required to have employers liability insurance.

    While professional indemnity, public, product liability insurance and similar policies aren’t mandatory, they can be an essential part of securing contracts. They also provide businesses with financial resilience against employee or third-party claims, theft, or other business interruptions.

    How much does electrical contractors insurance?

    The cost of electrical contractors insurance depends on several factors including how many people you employ, the level of coverage your choose, the types of buildings you work in (e.g., residential, commercial, or industrial), and your claims history. One of our experts would be happy to advise you on the right level of cover for your needs.

    *This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

    Words from our clients…

    Shannonside Civil Engineering Ltd

    "Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

    John Hall, Director, West Midlands Fasteners

    "Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

    Faisal Ravat, Managing Director, E&S Motors Ltd

    "We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

    Frank Ryan, Director, Reirse Ryan Ltd

    "We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

    Gerald Doble, Director, G A Doble

    "The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

    John Dyke, Central Scaffold Walsall Ltd

    "As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall