The Adroit Insurance & Risk Electrical Services Insurance Solution includes
Knowing your business, we understand the activities of Electrical Services. We are delighted to be able to offer and exclusive insurance product for Electrical Services businesses. With the support of other Electrical Services customers, we have spent considerable time understanding the specific risks associated with operating an Electrical Services business.
Public Liability
Overall, the public liability for an Electrical Contractor is high.
Electrical Contractors are faced with “on-site” work activities and creates high exposures such as damage to customer and other third party property, business interruption e.g. from interruption of power supply, third party injuries from tools, equipment and contact with exposed electrical conduits/wires and electrical fires.
Products Liability
The exposure for an Electrical Contractor is extreme. Whilst claims may be rare, they could be severe. Defective workmanship on electrical items under repair, or faulty installation of electrical wiring can pose both a serious fire and electrocution hazard, and a substantial bodily injury or property damage claim could be made.
Electrical contractors are subject to Completed Operations exposures as with other occupations involved in building and construction. The main risks include the use of non-conforming/non-compliant and/or lower-quality product or materials, not following specifications or building codes, and defective work.
“We have been dealing with our Risk Adviser at Adroit for 3+ years and have been really pleased with the level of service we have received. We feel confident in knowing he has always done his best to get us the best coverage at the best price.
When it has been necessary to make a claim, the process has been simple, straightforward and our Risk Adviser has been helpful with any questions and queries. We would be happy to recommend Adroit to our friends, family & colleagues.”
Chelsey Walker
Business Manager
KDEC Electrical & Solar
Professional Indemnity
There is a significant Professional Indemnity exposure for Electrical Contractors associated with claims arising out of an error or omission in design, consultancy professional advice, contract administration and project management and specification.
Issues can include provision of advice e.g. regarding selection/recommendation of systems and designs
What is unique to Adroit’s offer?
Our intimate understanding of the risks you face and many years dealing with Electrical Services claims has allowed Adroit to develop a Combined Public & Products Liability and Professional Indemnity policy which is tailored to your specific needs. The policy coverage and pricing we have negotiated is exclusive to Adroit Insurance & Risk customers and cannot be obtained elsewhere.
Adroit Claims Advantage Your insurance Risk Adviser with the help of our dedicated claims team will take care of everything for you, in the event you need to make a claim. Our team are committed to taking the worry out of each claims situation by providing empathy, strong technical knowledge and a positive ‘Get the Job Done’ attitude to achieve the best possible outcomes every time.