Electrician Insurance: Why is it needed?

If you are an electrician doing freelance work or owning a small company which deals in electrician jobs, have ever considered getting you an electrician’s insurance cover?As an electrician, you will have a van and tools that you take with you wherever you go for work. The tools generally cost a lot of money. You could actually be roaming around with thousands of pounds worth in your van. This could be a reason for claiming on insurance when such expensive tools are stolen or damaged.Without electrician insurance to fall back on, you would have to replace such costly equipment by spending from your own pocket which could in turn be a heavy blow to your finances.

Of course the electricians liability insurance policy would not only protect your tools. It would allow you to make a claim when you fail to receive ordered parts and materials. It would also provide you protection for all your business liabilities. It would pay out for negligence claims, damage to client property, injury caused on or off site and lots more.