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Electrical Contractors including High Voltage and 3 Phase Work Insurance

Examples of the types of High Voltage businesses we help

If you are looking to arrange Public Liability insurance, Employer Liability insurance, Professional Indemnity insurance and Management Liability cover then we can help you. Sometimes this is referred to as Electrical Contractor Insurance.

We access a wide range of insurers who can provide cover for those working in the high voltage industry, including businesses that work at: –

  • Electrical substations
  • Electrical Apparatus Surveyor
  • Working on both 11kv & 33kv private networks
  • High Voltage (HV) Electrical equipment (11kv)
  • Low Voltage (LV) electrical equipment such as 415volt & 690volt
  • Mains Electrical 3 phase cables (HV) on 11kv and 1kv
  • Installing new transformers
  • Transformer maintenance
  • Removal of existing 6.6k volt multi-panel switchboards
  • Connections and energisations
  • Disconnections
  • Isolations
  • Testing
  • Replacement of cables including XLPE cable systems
  • High risk locations
  • Working at heights
  • Take control of a client’s electrical network and employ a safe system of work

Liability cover for you if you work in the High Voltage area

It is vitally important that insurers are made aware of ALL the work you carry out to ensure that the correct cover is in place to protect your business.

Some of those insurers offer an electrical scheme, which is specifically tailored to accommodate high voltage and 3 phase work. They can also consider street lighting, switchgear for certain industries and substation work.

Please let us know when contacting us if you are looking for standard liability cover only, or if you would prefer the wider cover offered by one of the electrician schemes.

Under the electrical schemes, the Public Liability and Products Liability section can provide the following covers;

  • Inefficacy (failure to perform of the product or service supplied)
  • Financial Loss including Products
  • Contractual Liability
  • Defective Workmanship

Some insurers’ also offer discounts for CHAS and ISO 9001 accredited contractors.

On the electrical schemes, insurers can also include free Professional Indemnity of £100,000 and free Directors & Officers Liability of £100,000 for eligible clients and offer a full package of covers including Commercial All Risks, Business Interruption, Contract Works, Fidelity Guarantee and Legal Expenses.

Professional Indemnity insurance cover for Electrical Contractors working in the High Voltage area

In 2020 we started to see the market for high-risk trades contract due to a number of factors including a reduction in capacity in the professional indemnity market. This trend is set to continue in 2021 and if the first quarter was anything to go by, then unfortunately it is only going to get harder.

If you have Professional Indemnity insurance cover, then it is highly likely you will have seen one or more of the following –

  • your premiums increasing;
  • your insurer no longer offering terms
  • your excess increasing; or
  • the basis of cover in relations to claims changing.

The good news for you is we have a large range of insurers we can approach for high-risk contractors. It is worth noting that the higher the risk, the higher the minimum premium (this is the base premium they will start up when quoting) being applied by insurers. For those working project management that involves power stations then you are very likely going to be looking at premiums starting at £20,000.

For those of you in the UK (excluding Scotland) The Electrical Contractor’s Association supports and represents the UK industry for High Voltage Electrical Contractors.

Can we help you?

If the above insurances, schemes, product or article interests you, please mention this when contacting us. That way we can select the insurer/product mentioned, as we have a range of insurers that offer different benefits, for example not all of our insurers may cover the key elements mentioned above.

If you would like us to provide a quotation please complete one of the following:

We do everything we possibly can to check that we have got our facts straight, but it’s always possible that we could make a mistake (hopefully not or never would be better). Therefore we would like to make you aware that we accept no responsibility for information that may be factually incorrect or out of date, but we will do our best to make sure that all content is accurate. Our vision behind bringing the blog to the wider community is to keep our clients and prospective clients informed of their legal requirements, the different products on offer and how they may benefit your business and the new schemes we find which we think will benefit you.

We are Personal and Commercial Insurance Brokers based in Newquay, Cornwall covering the whole of the UK.