Dan arrived on time,he was friendly,helpful and professional. He left our property clean and tidy.
When you’re having work done at your home—whether it’s upgrading electrics, fitting a new EV charger, or rewiring the kitchen—it’s easy to focus on price, timelines and choosing someone who’s available. But one of the most important (and often overlooked) checks you should make is this:
Is your contractor properly insured?
Why Insurance Matters
We all hope that things go smoothly, but life doesn’t always work that way. Accidents, damage, or injuries on-site can happen even to the best tradespeople. That’s where having the right insurance makes all the difference.
Public liability insurance, for example, covers the cost of accidental damage to your property or injuries to others. If a contractor doesn’t have it and something goes wrong, the financial responsibility could fall back on you! - yes, the person who booked the work.
It’s Your Responsibility to Check
Many people don’t realise this, but the responsibility to check a contractor’s insurance sits with the person ordering the work. That’s right it’s down to you to ask the question and make sure your contractor has cover in place.
Just like you wouldn’t let someone drive your car without a licence or insurance, you shouldn’t let a tradesperson work in your home or business without proof of valid insurance.
It’s not rude, it’s just good sense.
What to Ask For
Before the work begins, simply ask your contractor for:
Proof of public liability insurance
Their policy number and provider
Confirmation that it covers the type of work being carried out (e.g. electrical work, working at height, etc.)
A reputable business will always be happy to share this with you after all, it protects both sides.
Peace of Mind for the “Just in Case” Moment
No one wants to think about things going wrong, but if they do, you’ll be glad you took five minutes to check. Having a fully insured contractor means you’re not left footing the bill if the unexpected happens.
At A.M Electrics Devon Ltd, we’re fully insured and happy to provide all the documentation our customers need because your peace of mind is just as important as the job itself.
Need electrical work in Newton Abbot or the surrounding areas?
We’re fully qualified, fully insured, and always happy to help - contact us today.