📖 Electrician Guide
The Electrician’s Guide to Income Protection
No job, no pay — that is the reality for most self-employed sparkies. This guide keeps it simple.
Get a Free Quote →The mistake we see most is electricians assuming cover will be expensive or refused because of working at height. Neither tends to be true once the case is placed with the right insurer instead of a price-comparison engine that flinches at the word ‘height’.
The second thing worth knowing: if you run a limited company, cover should reflect your dividends, not just the token salary your accountant pays you.
Quick Answers
Electrician Cover — Quick Questions
How soon can a policy start paying after an injury?
You choose the wait, and the self-employed often pick a short one — a week, sometimes a day. The shorter the wait, the sooner money lands while you are off the tools.
Does working at height really price me out?
No. A few insurers load it heavily; others barely blink. Placing the case manually is how you avoid the expensive ones.
I take most of my income as dividends — does that matter?
A great deal. Cover based on a £12k salary would massively under-insure you. We build it on salary plus dividends so a claim reflects what you genuinely earn.
What actually stops a claim being paid?
Usually non-disclosure. Be straight about your health and trade up front and there are no nasty surprises later — which is the whole point of having it.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. LifeInsuranceForMe is an FCA-regulated insurance broker; speak to us for a recommendation tailored to you.