Frequently Asked Questions

No. Contractors all risk insurance is designed to cover you for damages outside your control, whereas public liability covers you for damages that a member of the public could possibly bring against you.

Although not a legal requirement, corporate legal insurance is recommended to protect your company from financial repercussions.

Coverage can start from as little as £100,000, and if you are part of a regulatory body, there may be a recommended minimum cover that you should have. We recommend that you speak to a professional insurance advisor who could better assist with your requirements.

Electrical contracting insurance can include cover for tools and equipment, public and employers’ liability, contract works and, if you provide any advisory services, professional indemnity.

That depends on whether you provide a design or consultancy based service. If you do, then we recommend adding professional indemnity cover. This will cover you if you make a mistake, such as giving inaccurate information that causes your client to lose money.

Risks that are covered by professional indemnity insurance include loss-causing advice, certification errors, inaccurate design work and negligence that has led to financial loss or reputation damage for a third party.

If you’re not sure how much cover you need, it’s worth checking the information provided by any regulatory bodies you’re part of.

Not necessarily. Professional indemnity is not a legal requirement, but it is recommended if you’re providing either design and/or advice. If a client insists that you have professional indemnity to secure a contract with them, then you will have to weigh up the costs of purchasing this cover. If you do need both, you can potentially obtain a package policy. For instance, if you’re an IT consultant, you could benefit from getting an insurance policy that covers public liability, employers’ liability, and professional indemnity.

As reported by The Mirror newspaper in April 2023, over a fifth of tradespeople reported having tools stolen from their vans. Protecting against theft is crucial to keeping your business protected against such a financial loss. If you wouldn’t be able to comfortably replace the cost of all your tools, we recommend getting covered.

To get a quote, fill out our quick online form. There are no hidden fees, just straightforward quotes that are tailored to your specific requirements. Our experts can talk through what you need – and what you don’t – to ensure you’re not overspending.

You may not be legally required to have public liability insurance, but if you have contact with the public and there is any risk of damage to people or their property, it is highly recommended that you get coverage. This protects the financial interests of your business and will also help you acquire contracts with local authorities if you are looking to do business with them.

The difference is who is making a claim. Public Liability insurance protects you if a member of the public makes a claim against your company. Meanwhile, employers’ liability insurance protects you if an employee makes a claim for compensation. Employers’ Liability insurance is a legal requirement if you have anyone working for you, whereas public liability insurance isn’t required by law.

As a landlord, you can build a policy based on the risks you want to cover. As a bare minimum, you will need to cover the cost of having the building completely rebuilt following a total loss claim. Landlord insurance can also include cover for contents (if these belong to you) and loss of rent due to tenants having to move out due to an insured event, such as damage from a fire or flooding. You may also want to add accidental damage as a precaution.

If you or your work have the potential to cause harm to the public or their property, then it pays to have public liability insurance to cover the legal and compensation costs.

If you provide consultancy-based advice, or design any systems for plumbing and heating, such as for new-build properties, you should get professional indemnity cover. If you’re still not sure, our experts will be able to advise.