Electrical Contractor Insurance

SME Insurance

Electrical Contractor Insurance

Working as an electrical contractor, you will be working closely with your clients on sometimes risky tasks which often require specialist tools.

All of this means that business insurance cover to protect you and your work is an important consideration! Clients are also likely to check that you hold adequate insurance before they decide to book you for their project. Knowing exactly which insurance policies are required of an electrical contractor can be tricky, so here at Erskine Murray we would be happy to help you put together the right combination of insurance products to keep your business protected.

Insurance Policies for Electricians

There are several different insurance types available which could be useful for an electrical contractor. Some of these insurance products offer differing levels of protection to suit your needs and requirements.

Public Liability insurance: Public liability insurance is a key cover for electrical contractors and many other trades. It can cover the cost of compensation claims and legal fees should someone be injured, or their property damaged as a result of your business.

Personal Accident Insurance: Working in any hazardous trade such as electrical and construction sites usually means more risk to your own safety. Personal accident insurance is a good idea for electrical contractors, as it can cover the cost of medical expenses and lost income should you suffer a serious injury while working.

Employers’ Liability cover: any business which employs staff (permanent, part time, full time, temporary or even contractors) need to hold employers’ liability insurance. It is a legal requirement! This covers the cost of claims from employees who have been injured or become seriously ill as a result of working for you.

Electrics Engineer Insurance

Working with electricity is always going to carry risks, so having your business sufficiently insured against the likely risks you face each day is important. Compensation claims and the costs of defending claims in court can run to a huge sum of money, and it is very easy to lose everything you have built up for your business should something go wrong. Business insurance does not need to be complicated, and the team here at Erskine Murray can help you to choose the right insurance products and levels of cover to keep your business fully protected against the risks you face.

Erskine Murray are a leading independent insurance broker, allowing us access to a vast network of insurance providers and underwriters. This means we can find the right products for your business at the right price, providing you with peace of mind that your business is well looked after and allowing you to get on with your job. Speak to our team today to begin your quote for electrical contractors insurance.

SME Insurance by Sector


There are several different insurance policies for tradesmen, as every business is different, these may not apply to all trades.


Protect your business and give yourself that peace of mind with a dedicated Scaffolders Insurance policy from Erskine Murray.


We understand being a Bricklayer is tough work. We can help provide the necessary insurance to keep you and your business safe.

Contract Works

Ideal for builders and other tradespeople, designed to cover work which is underway on a construction site.


If they are lost or damaged, it can cost a great deal to replace them and there may be a lengthy gap before you are able to continue working again.


The insurance needs for warehouses can be very specific, with different warehouses requiring different levels of insurance.

Professional Indemnity

Sometimes, even the most reputable companies find themselves in dispute over a mistake.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.