The only insurance that is required by law, is employers liability insurance. Paying insurance is like making a bet, will I need this insurance this year?
Not paying for insurance that we have never had to use costs us £1000’s, but not having business insurance is not a gamble that we are willing to make. Are you? Don’t be afraid to ask your electrician what level of cover they have and what insurances they have. We have £2Million public liability insurance, and £250.000 Professional indemnity insurance. Don’t be afraid to ask to see your electricians insurance documents, if they have nothing to hide, they will be only happy to show you.
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