Electrical Contractors Insurance

This scheme is designed for the Electrical
industry for contractors of all sizes and type of work undertaken

Over the years we have developed a number of innovative specialist insurance schemes which are recognised as being market leaders. Our Electrical Contractors Insurance Scheme is designed to meet the needs of those working in this industry by taking into account all the risks, exposures and requirements a firm may face.

We fully understand the needs of organisations connected with the Electrical Industry and those involved in high risk activities or work at hazardous locations.

There are difficulties generally with the placement of liability insurances and these can be more pronounced for organisations in the electrical contracting and engineering industries.

This even more pronounced for those involved in high risk activities such as work at height, work with heat, work in connection with asbestos or work at high risk locations. As a result, in many cases premiums are increased considerably or in extreme cases, insurance is not available.

However, with our established and substantial connections with Insurance Companies and Underwriters in London, we have developed unique and special arrangements whereby insurances are arranged for liability and other covers on competitive and realistic terms.

INSURANCE & SERVICES

Available for the Electrical Industry

Contractors all Risks

Cover for any loss or damage to the electrical installation prior to completion of the Contract. Cover is provided on an all risks basis for work in progress, materials in transit or in temporary storage and at the contract site. In addition, cover can be extended to include loss or damage to your own plant and equipment, or hired-in plant including continuing hire charges.

Property Damage

Cover can be arranged on an All Risks basis including; Theft and Accidental Damage for Buildings, General Contents, Stock, Fixtures and Fittings, Tenants Improvements and Business Interruption. Cover can also be extended for Goods in Transit, Computer Equipment, Loss of Money and All Risks anywhere in the UK.

Employers Liability

You are required to effect this cover by law. It protects your legal liability in respect of accidental death, bodily injury or disease to employees arising out of and in course of their employment. Insurance is provided for all types of electrical work undertaken and can be extended to include other supplementary work carried out including building work.

LIABILITY: EXTENSIONS
OF COVER

  • Professional Indemnity – cover for losses as a result of incorrect advice, design, errors or omissions whilst carrying out your duties
  • Pecuniary Loss Insurance – Pecuniary Loss Insurance covers businesses against purely financial losses (e.g Business interruption) rather than physical damage to property
  • Efficacy – cover for loss or damage arising from the failure of a product or works to fulfil its intended function
  • Damage to items being worked upon – cover for damage or loss to customers property which is in the custody of the insured
  • Other extensions available upon request

Public / Product Liability

Accidental bodily injury to any customer, third party and/or damage to property arising during the course of the company’s business up to a specified limit e.g. caused by electrical installations or the use of tools and equipment.

Legal Expenses

Commercial Legal Protection cover to protect your business against the cost of potential legal disputes as well as unlimited access to free Legal Helplines.

Fleet Insurance

Cover for Fleet Insurance for all different sizes and types of businesses. A minimum of 2 vehicles is required and there is no maximum number. All types of vehicles can be covered including; Business Cars, Private Cars, Vans, Trucks, HGV’s and Plant.

Directors & Officers Liability

Directors and Officers Liability Insurance cover protects companies Directors, Officers and Senior Managers against claims arising from their decisions and actions taken whilst managing their business.

At your Service

We hope that you will appreciate that these
arrangements are unique and we would welcome your enquiry without obligation.