Your work is behind the plaster.
Commercial insurance for electrical contractors of any size: a sole trader with a van, or a firm with a stores unit and twenty on the books. We’ll quote either.
Electrical contractor insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Stock & materials
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is electrical contractor insurance?
Electrical work gets buried. It goes in behind the plaster and under the floor, and if something’s wrong it can be years before anyone finds out, and the consequences when they do can be serious. That’s true whether you’re a one-man band or running boards on commercial sites. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Work that stays hidden
What you install keeps working long after you’ve left, and so does your responsibility for it.
The people doing the work
Your own team and any subcontractors you bring in. Both have to be declared.
The days you can’t work
If your stores or unit is out of action, the jobs stall and the money stops with them.
Who it’s for
Whatever you wire.
✓
Sole trader electricians
One van, domestic and small commercial work.
✓
Domestic installers
Rewires, consumer units and household work.
✓
Commercial electrical contractors
Offices, retail and industrial installation.
✓
Contractors with a stores unit
Cable and fittings held in stock, vans loading out daily.
✓
Testing & inspection specialists
EICRs, periodic inspection and certification.
✓
EV charge point & solar installers
Newer work, often at height and outdoors.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, on site or on your own premises.
Employers’ liability
Legally required the moment you put someone on the books.
Premises & contents
The stores, unit or office you work out of, and everything in it.
Business interruption
If your stores is out of action, jobs stall. This covers the trading you lose.
Stock & materials
Cable, fittings and boards in the stores or the van, waiting to go in.
Tools, plant & equipment
Test kit, power tools and equipment, in the van or on site.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by electrical contractors at any size, from a sole trader with one van to a firm with a stores unit and crews. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Work that’s buried
Faults can surface years later, long after the job signed off.
Certification & scheme membership
Which schemes you’re registered with affects how the risk is viewed.
EV and solar work
Newer installation types, often at height, get looked at separately.
Testing and inspection
Signing off someone else’s work carries its own exposure.
Every install is different.
A domestic rewire and an industrial distribution board don’t carry the same risk. We ask different questions, and we’ll quote both.
Electricians
Electrical contractors
Domestic rewires
Consumer units
Commercial installation
Industrial electrical
Testing & inspection
EICRs
Electricians
Electrical contractors
Domestic rewires
Consumer units
Commercial installation
Industrial electrical
Testing & inspection
EICRs
EV charge points
Solar PV
Fire alarms
Emergency lighting
Data cabling
Security systems
Lighting design
Maintenance contracts
EV charge points
Solar PV
Fire alarms
Emergency lighting
Data cabling
Security systems
Lighting design
Maintenance contracts
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
We ask what the crews carry
A sole trader with a van and a contractor with a stores and crews differ on stock values, payroll and the work they take on. We ask what your crews carry before we approach anyone.
02
Cover for work that’s out of sight
What you installed is still yours years later. We set that up properly.
03
Certificates your contracts will accept
Principals and agents want proof before you start. We turn it round quickly.
04
We present the risk right
Work mix, scheme membership and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your electrical contractor cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Electrical faults can surface years after a job signs off, so what you installed is still yours long after you’ve left.
Which schemes you’re registered with shapes what insurers will write and on what terms, so tell us what you hold.
We approach insurers on our panel who write electrical contractor risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Electrical contractor questions, answered straight.
What insurance does an electrical contractor need?
Am I still responsible for work I did years ago?
Does EV or solar work change my cover?
Does testing and inspection need flagging?
Can my vans go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.