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Short answer: it may, if the contractor’s professional services are described and accepted by the insurer. Professional indemnity (PI) can respond to specified civil liability from design or advice, while public liability may address a different type of third-party injury or property damage.
Disclose the scope of work
Explain whether you produce calculations, drawings, specifications, system layouts, inspection reports or only install to a client’s design. Describe the sectors served, system types, project values and any commissioning or certification work. If your work affects life safety, specialist plant or critical infrastructure, say so explicitly rather than relying on a broad trade label.
Read exclusions for design, faulty workmanship, rectification costs and contractual warranties. A PI policy may not pay to redo your own defective work, and an agreement to guarantee performance can go beyond ordinary legal liability. Check retroactive dates, claims notification and continuity at renewal.
What should be reviewed?
- Declared activities and services on the schedule.
- Contract terms, design responsibility and liability caps.
- Separate PI, public liability and employers’ liability sections.
- Evidence of testing, approvals and handover.
Use Insure24’s business insurance information or contact the broker with a sample scope of work. Insure24 is a broker; terms and claims decisions follow the insurer’s wording.
General information only; not a view on a particular project or claim.
Common questions
Does this article replace insurance advice?
No. It is general guidance only. The right policy still depends on the business activity, contracts, locations, turnover, staff, assets, claims history and insurer wording.
What information should I prepare before asking for quotes?
Prepare turnover, wage roll, activities, locations, contract requirements, claims history, asset values, existing policy details and any deadlines for evidence of cover.
Where should I go next?
Use the main Electrical Contractor Insurance page if you are ready to compare quote-led cover options or talk through the risk with Insure24.