The short version
- Fire risk makes the limit an important choice.
- Certification work can raise professional indemnity questions.
- Test equipment may need its own value on the policy.
Electrical work is mostly invisible once the plaster goes back on. If something fails later, your name is on the certificate.
The rules behind the work
HSE says it is particularly important that electrical workers meet the Health and Safety at Work Act and the Electricity at Work Regulations 1989. Live work is only for cases where it would be unreasonable to do the work dead.1
Certain domestic work needs building regulations approval, including replacing a fuse box.3 Registered installers can self-certify through competent person schemes. Schemes for dwellings include NICEIC and NAPIT.2
The cover to look at
- Public and products liability. Ask about fire damage after the job is finished.
- Employers' liability if you have an apprentice or mate.
- Tools cover, with test kit listed at full value.
- Professional indemnity if you design systems or certify work others rely on.4
Questions for your broker
- Am I covered for work finished in previous years?
- Are EV chargers or solar panels within my trade description?
- Am I covered for commercial or industrial sites?
- Does cover change for work near water or in lofts?
Sources
- Electricity at work: FAQs, Health and Safety Executive. Accessed 11 November 2026.
- Competent person schemes, GOV.UK. Accessed 11 November 2026.
- Building regulations approval, GOV.UK. Accessed 11 November 2026.
- Professional indemnity insurance, Simply Business. Accessed 11 November 2026.
General information only. This is not legal, insurance or financial advice. Your own policy wording decides what is covered.