All electricians need insurance to cover their work, whether commercial, domestic or specialised. It should be expected that an electrician’s insurance will cover important elements, such as –
Public liability
Employer’s liability
Professional indemnity
Property and contract works
Some electricians will also need business cover too if they own a premises, whilst others also choose to insure their tools too. It is important that an electrician be fully insured in case of damage or injury.