Design and specification
Claims arising from the design or specification of an installation.
Electrician Professional Indemnity
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Electrician Professional Indemnity
Professional indemnity for electrical contractors who design or certify.
Most electricians carry public liability. Fewer carry professional indemnity, and it is the one that responds when the claim is about the design or the certificate rather than physical damage.
What is it?
Electrical contractors who design installations, specify systems, certify compliance or provide advice take on professional exposure beyond installation work, particularly on commercial, solar and data projects.
What does electrician professional indemnity cover?
Certification
Exposure attached to compliance certificates and sign-off.
Defective workmanship
Damage caused by faulty work, which some policies address and some exclude.
What affects the cost?
- Scope - installation only, or design and certify
- Commercial versus domestic mix
- Solar, data and specialist work
- Turnover
- Claims history
Worth raising on the call
- Public liability and professional indemnity respond to different claims.
- Certification work is the trigger for most electrical PI claims.
- Solar and battery work is often assessed separately.
Claims we are commonly asked about
Switchboard undersized for the fitout
A board specified for a commercial fitout cannot carry the tenant's actual load, and the client claims the cost of the upgrade plus the trading interrupted while it is done. The claim is about the specification rather than the physical work, which is where professional indemnity and public liability part company.
Commercial solar underperforms the design
A commercial rooftop system is designed, installed and certified but produces materially less than the modelling put in the proposal, and the client claims the shortfall. Design and modelling claims usually depend on what was represented in writing at proposal stage rather than on the quality of the installation.
Certificate issued over another's work
A compliance certificate is issued covering work partly completed by another contractor, and a defect is found during a later inspection. Certification is the trigger for a large share of electrical professional indemnity claims because the certificate travels with the property long after the job.
Worth confirming in the wording
- Worth confirming how faulty workmanship is handled, since the cost of rectifying your own defective work is commonly limited even where resulting damage to other property is contemplated.
- Worth confirming whether design, specification and certification for solar, battery storage and EV charging are inside the scope you declared, as these are often assessed separately from general electrical work.
- Worth confirming whether work performed by subcontractors and apprentices under your licence is covered, and whether the wording requires those subcontractors to hold their own cover.
Common questions
Is public liability enough for an electrician?
Public liability generally responds to physical injury and property damage, while professional indemnity responds to claims about advice, design and certification that cause financial loss without physical damage. If you only install to someone else's design your professional exposure is narrower, but as soon as you specify or certify, the two policies cover genuinely different claims.
Do I need professional indemnity if I only install to a plan?
Pure installation to a third party's design carries less professional exposure, but many electricians drift into specifying equipment, sizing circuits or advising a client without treating it as design work. It is worth mapping what you actually do on commercial jobs before deciding, because the exposure follows the conduct rather than the job title.
Does it cover me if a compliance certificate I signed is wrong?
Certification exposure is one of the main reasons electrical contractors arrange professional indemnity, and wordings commonly contemplate claims arising from certificates and sign-off. Whether a particular claim responds depends on the policy terms, the scope you declared and whether the certificate covered work you had actually verified.
What affects the cost of electrician professional indemnity?
Pricing generally reflects whether you install only or also design and certify, the commercial versus domestic mix, any solar, battery, data or hazardous area work, turnover, the limit and excess selected and claims history. Certification-heavy commercial work sits at the higher end of that range.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See professional indemnity insurance for the wider picture.
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