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Tysers offers Members access to a unique insurance scheme underwritten by Markel. Available exclusively to ECA Members, this facility provides enhanced cover limits and bespoke policy terms. Their dedicated team will be on hand to provide quotes and consultation to help meet Members' specific needs.
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The following is a high-level view of the covers provided under the terms of this policy. Some sections of cover are optional. The full terms, conditions and levels of indemnity are outlined in the policy wording.
If you employ anyone at all, including apprentices, labour-only subcontractors or casual workers, UK law requires you to hold Employers’ Liability Insurance with a minimum level of cover of £5 million. The Tysers’ scheme offers financial protection up to £10 million with higher limits available.
For electrical contractors, this cover protects your business in the event that an employee suffers an injury or develops an illness as a result of their work.
What does Employers’ Liability Insurance cover?
Employers’ Liability Insurance protects you against the financial consequences of employee claims, including liability for damages and associated legal costs arising from injury or illness sustained in the course of employment.
In addition, the policy can provide compensation for:
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Public Liability Insurance
Public Liability Insurance protects your business if your work causes injury to a third party or damage to their property.
For electrical contractors, this cover is essential. Much of your work is carried out in environments where clients, visitors, or members of the public may be present. If an accident occurs, Public Liability Insurance helps cover compensation claims and associated legal costs.
This protection supports the financial security of your business and is often a requirement of contracts and site access.
Products Liability Insurance
Products Liability Insurance protects your business if a product you have supplied, installed, or worked on causes injury to a third party or damage to property.
For electrical contractors, this cover is essential. If a fault develops in an electrical component, system, or product after installation and results in a claim, Products Liability Insurance helps cover compensation and associated legal costs.
This protection is particularly important where products remain in use long after work has been completed. Holding appropriate Products Liability cover supports the financial security of your business.
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Professional Liability Insurance protects your business if a claim is made alleging that professional advice, design, specification, or consultancy services you have provided have caused financial loss.
For electrical contractors, this cover is essential where you are responsible for design work, system specifications, surveys, or technical advice. If an error, omission, or failure in professional services leads to a client claim, Professional Liability Insurance helps cover compensation and associated legal costs.
This protection supports your business where liability arises from professional judgement rather than physical injury or property damage.
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Contractors All Risks Insurance provides protection for your work in progress, as well as your materials, plant and equipment, against loss or damage during a project whether on-site or in-transit.
For electrical contractors, this cover is essential. It protects against risks such as fire, theft, vandalism, accidental damage, or adverse weather affecting ongoing works. If something goes wrong before a project is completed, Contractors All Risks Insurance helps cover the cost of repair, replacement, or reinstatement of work already carried out.
This protection is particularly important on active sites, where multiple trades and external factors can increase exposure to risk. Holding appropriate cover helps safeguard your projects and supports business continuity.
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Property Damage Insurance protects business premises that you either own or occupy and property owned by you this includes contents, equipment you own and documents against loss or damage.
For electrical contractors, this cover is important. Your business may rely on workshops, offices, tools, and stored materials. If these are damaged by events such as fire, flood, theft, or vandalism. Property Damage Insurance helps cover the cost of repair, replacement, or rebuilding.
This protection supports business continuity by helping you recover quickly from unexpected events, safeguarding your assets and the day-to-day operation of your business.
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Business Interruption Insurance helps protect your income if your business is unable to operate following as a result of the following:
For electrical contractors, this cover is important. If your premises, tools, or operations are disrupted by events such as fire, flood, or theft, it can lead to a loss of revenue while work is paused. Business Interruption Insurance helps cover loss of income and ongoing business expenses, allowing you to maintain financial stability while you recover.
This protection supports business continuity and helps ensure that a temporary setback does not have a lasting financial impact.
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Money and Personal Assault Insurance provides protection against the loss of cash or cheques held on your premises, in transit, or in the custody of employees, as well as support in the event of an assault linked to your business activities.
For electrical contractors, this cover can be important where payments are handled on-site, or employees may be carrying money or working in isolated or higher-risk environments. If money is lost through theft or an employee is injured following a robbery or attempted theft, the policy can help cover the financial loss and provide compensation for injury.
This protection helps safeguard both your business finances and the wellbeing of your employees.
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Transit Insurance protects property that is owned by you, or for which you are responsible, while it is being transported in connection with your business within the UK.
For electrical contractors, this cover is important. Tools, materials, and equipment are often moved between sites, stored in vehicles, or delivered to customers. These items can be exposed to risks such as theft, loss, or accidental damage while in transit. Transit Insurance helps cover the cost of repair or replacement, reducing the financial impact of such events.
This protection supports the smooth running of your operations and helps ensure that work can continue without unnecessary disruption.
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Personal Accident Insurance provides targeted financial protection against the real and immediate risks associated with working in a physically demanding and potentially hazardous environment.
Electrical contracting work inherently carries a heightened exposure to injury risks, such as falls from height, electrical shock, and on-site accidents. Personal Accident cover delivers fast, predefined financial support following an accident.
Key value points for ECA Members:
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Legal insurance helps protect electrical contractors from costly disputes, covering legal advice, defence costs, and claims that can arise from contracts, employment issues, or on-site incidents.
The cover provides costs and expenses for
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Directors and Officers insurance protects ECA Members’ leadership teams from personal liability, covering legal costs and claims arising from decisions made in running the business.
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Entity defence ensures your business is protected if it faces legal action, covering defence costs alongside Directors and Officers. In a regulated industry like electrical contracting, it provides essential support when dealing with compliance issues, claims, or investigations.
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With teams and equipment constantly on the move, fleet insurance provides electrical contractors with cost-effective, flexible cover, keeping vehicles, drivers, and projects protected on the road.
Fleet insurance protects against a range of risks, including road accidents, vehicle damage, theft, and third-party injury or property claims, helping contractors manage costs and keep projects on track.
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| Section of Cover | Included | Section of Cover | Included |
|---|---|---|---|
| Employers Liability | Yes – £10m (option to increase limit if required) | Financial Loss | Yes – up to £500,000 |
| Public Liability | Yes – £5m (option to increase limit if required) | Inefficacy (failure of product to perform) | Yes – up to £5m |
| Contract Works | Yes – up to £5,000,000 (option to increase limit if required) | Part Product Extension | Yes – up to £5m |
| Legal Expenses | Yes – up to £250,000 | Pollution Clean Up | Yes – up to £1m |
| Collateral Warranty Review | Yes | Region of Insurance (own employees cover) | Yes – extended outside of UK |
| Legal Document Templates | Yes | Professional Indemnity | Optional Cover |
| Tools Overnight in Vehicle | Yes | Unlicensed Asbestos Removal | Yes |
| Defective Workmanship | Yes – up to £500,000 for electrical work | Mechanical Engineering & Other Optional Trades Inclusion | Yes |
| Height Restrictions | No Restrictions | Depth Restrictions | No Restrictions |
For more information, contact your nearest insurance expert for help & advice
| Midlands Region | North Region | South Region |
|---|---|---|
Darren Jarmin
| Andy Brooks
| John Chambers
|
Tysers Retail Limited is an Appointed Representative of Tysers Insurance Brokers Ltd. Tysers Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority. Registered Office: 70 Fenchurch Street, London, EC3M 4BR. Registered Company No. 2957627 England.
