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5 common dangers that mean electricians should take out insurance

The dangers of electricity shouldn’t be underestimated. After all, electricity is capable of killing or severely injuring people, not to mention damaging property. For this reason, you would be faced with various risks when working as an electrician – but at least you can counter many dangers.

Here are several examples of dangers for which you should watch out. The risks detailed below also help to explain why, as an electrician, taking out insurance should be a major priority.

Electric shocks

If you accidentally touch live parts, this could produce an electric shock, warns the Health and Safety Executive. Furthermore, an electric shock can have unfortunate knock-on effects, such as leading the victim to lose their bearings and, as a result, fall off a ladder or scaffold.

Naturally, this could, in turn, cause yet another injury. If this happens to another electrician who you employ, they might sue you; hence, don’t neglect to take out employers liability insurance before this can happen.

Overloaded socket outlets

When working in a residential or corporate building where many electrical appliances will often need to be used at once, consider whether there are enough sockets to facilitate this. If not, you could install additional sockets, while you should also prevent socket outlets from becoming overloaded.

Unfortunately, socket outlets can too easily become overloaded if you use unfused adapters. Should you fail to heed this warning, fires could result.

Out-of-date wiring

There are various situations in which a building should be rewired. You might have to act if this property has not been rewired for 25 to 30 years, Homebuilding & Renovating advises. In this instance, the wiring might not be capable of standing up to modern demands.

You would also likely have to rewire some or all of the building if it will be receiving what the Building Regulations define as a material alteration. Outdated wiring can make a home dangerous.

Faulty products

The dangers of outdated wiring mean that, if you fail to adequately update it, your client could take legal action. However, problems could also arise even during the process of rewiring.

While rewiring, you might fit a switch which later turns out to be faulty. Sadly, you might only find out after the client has attempted to use that switch and been electrocuted as a result. Products liability insurance could help you to make financial amends without losing too much money.

Hazardous cables

Another potential problem with carrying out a rewiring job is that of leaving out cables over which your client accidentally trips. The client could seriously injure themselves and then claim compensation from you.

While this situation might initially look worrying financially, you could divert the threat of lost money by dipping into public liability insurance, which funds compensation payouts in cases like this.

Products liability insurance and public liability insurance are two examples of the electricians insurance policies available from Tradesman Saver. This makes the UK company a good one for UK electricians to consider for meeting their insurance needs.

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