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Electrical Contractor and Engineers Insurance

Quick, easy and personalised indemnity and liability insurance for electrical engineers.

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electrical contractor insurance

Our electrical engineering insurance will respond to cover your legal costs in the event of a negligence claim being made against you by a client.

Electrical engineers typically deal with electricity, electronics and electro-magnetism, and will typically be responsible for designing and developing new electrical equipment and systems for power, control systems, telecommunications and signal processing among others.

Products that electrical engineers can be involved in developing can include: household appliances, telecommunications systems, satellite communications, and electrical power stations. They can also be involved in robotics, mobile phones, navigation systems, and the lighting and wiring of office blocks. The responsibilities surrounding this high level of technical expertise come with a high element of risk.

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What is electrical engineer insurance?

Caunce O’Hara’s engineer’s insurance policies have been designed to provide industry-specific cover for you against something going wrong for which you are responsible, which results in a claim being made against you.

Our range of policies cover indemnity, liabilities, legal expenses, business equipment, and your personal liabilities as a limited company director.

Why do electrical engineers need insurance?

When working as an electrical engineer on a number of different projects, it’s important to secure sufficient professional indemnity insurance to cover your largest project. This will ensure that any claims made against you or the work you carry out will be covered by your insurance policy.

Professional indemnity insurance for electrical engineers helps to protect your career and your professional reputation. Many clients won’t let you start work without sufficient coverage tailored specifically to your industry, so get in touch today to find out how we can help build your ideal policy.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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Frequently Asked Questions

Caunce O’Hara’s Electrical Engineer insurance offers comprehensive industry-specific insurance for a broad range of risks faced by engineering contractors. What it costs for cover and your peace of mind, makes our engineering insurance a worthwhile investment in your own protection.

The business insurance policy will provide cover for claims including:

Negligent advice/work

You are contracted to complete extensive detailed calculations for electrical installation specifications for a client. You make an error in your calculations resulting in your clients’ project being delayed and incurring extra costs. Professional Indemnity insurance would cover you in this instance.

Breach of contract

Breaches of contract can include you missing an agreed deadline for delivery of an engineering project, or it can be that you are unable to fulfil an agreed contract and need to terminate the contract early. Professional Indemnity insurance would provide cover for this instance

You cause an accident while working onsite

You are contracted to supervise the installation and testing of electrical equipment to ensure the products meet regulatory codes and standards for a client. Despite your testing and sign-off for use, one of the products shows a fault and causes an electrical accident. This instance you would be covered by Public Liability insurance.

With Caunce O’Hara’s online quote and buy system you can get an indicative quotation for your engineering contractor insurance in a matter of minutes.

As an example: An Electrical Engineer with an annual turnover of up to £50,000, who requires Professional Indemnity insurance with an indemnity of £500,000 of cover (in any one claim) would pay as little as £320.00 per year. That’s only £26.66 per month, which we think represents good value considering the level of cover. (Figure correct 17.11.2021)

Apart from Professional Indemnity insurance, engineering contractors will likely be asked to ensure they carry Public Liability insurance as part of their contractual obligations to protect the clients’ property and members of staff.

It is also important to note that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance.

Legal Expenses insurance will provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.

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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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