The dangers of working with electricity are clear – both to the public and to the electrician. If you work with electricity, it’s a bright idea to get public liability insurance so you are covered in the event of injury or damage to property.
What are the risks?
Working with electricity exposes you to a number of risks on a daily basis, no matter whether you work in a commercial, domestic or construction environment. The danger is not always connected to the power supply … High roofs, crawl spaces, tricky tools and other people are just some of the factors that can increase the risk of accident – no matter how carefully you work.
It is essential to protect yourself with adequate public liability insurance for electricians in case of damage to property or injury to another person.
What is public liability insurance?
Public liability insurance for electricians offers protection against property damage or personal injury that is caused by your work. It can cover you for a range of events – from an electrical shock to a dropped tool cracking a marble kitchen counter. It ensures that, in the event of an unfortunate accident, you will not have to pay out thousands for repair and medical bills.
Should you get public liability insurance?
As an electrician or other type of contractor, the law often requires you to have public liability insurance before you are permitted to enter a work site. This for your own protection, as well as the protection of others, their property and your business. It is also critical for maintaining your reputation and providing your business with credibility. Most people will not hire an electrician or contractor who is not covered by insurance so always make sure you have the right cover.