ELECTRICIAN'S INSURANCE


REQUEST A QUOTE
ARRANGE CALLBACK

Whether you're looking to talk about insurance or need some advice on insurance products, we are here to help.

Electrician's Insurance FAQ

WHAT IS ACTUALLY COVERED?

The insured person or business is covered against their liability to pay Damages and Defence Costs in respect of:

  • Accidental Bodily Injury to any person
  • Accidental damage to or loss of property

…Occurring during the Period of Insurance in connection with the Business.

WILL POLICY MEET THE ESB REQUIREMENTS?

Yes. All of the policies we recommend will meet the requirements to connect to the national grid which is owned and controlled by the ESB. The Public Liability Limit of Indemnity is €6.5 million and the Employer's Liability Limit of Indemnity is €13 million.

WHAT TYPE OF CLAIMS DO ELECTRICIANS HAVE?

After the theft of tools or materials (copper wire is very theft attractive) the most likely claim an Electrician will be involved in will be a fire claim.

Fire claims are more common for electrical contractors who do work in existing buildings, especially older ones. This is because they are more likely to be connecting new components to existing, older wiring, fuse boxes and components. This increases the chance that the older installations will overheat and cause a fire.

This is why it is so important for Electricians to have good Public Liability Insurance Cover. If the house burns down, you can be content in knowing that your public liability insurer will look after the settlement and payment of the resulting claim.

This is the case, even if it is determined that the old wiring caused the fire. The fact that you have been working on a premises means it is likely you will be brought in on the claim. Your public liability insurer will defend you in respect of this claim and ultimately pay these defence costs.

HOW CAN I PREVENT FIRE CLAIMS?

  • Avoid jobs where the owner or the contractor is insisting of bolting on to very old wiring or components.
  • If the owner insists, have photographic evidence of the old wiring.
  • Advise the owner that he or she may have difficulty in getting adequate home insurance. Many insurance companies, when quoting for home insurance, ask when the house was last re-wired. Very old properties with old electrical circuits will need to get checked and approved by a Safe Electric Electrician every 2 years and the homeowner will have to bear the cost of this.

YOUR LOCAL TRADESMEN INSURANCE SPECIALIST

JEAN MARC ROLLAND

NAVAN

Rosaria White – Beef Farm Insurance Agent

ROSARIA WHITE

DUNDALK

LINDA WEST

MONAGHAN