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Life Insurance, Critical Illness Cover and Income Protection for Electricians
- Example Occupations: Domestic, commercial, offshore electricians
- Possible Risks: Burns, electrocution, falls, under 40 feet, above 40 feet
- Occupational Duties: Testing, installing and maintenance of electrical circuits and appliances
Many insurance providers will provide Life Insurance for electricians at normal rates. If you work at heights of 40ft or more on a frequent basis, then some companies may look to increase your premiums due to the extra risk. If you are an offshore electrician you will need to notify the insurance company but you would be better suited to look at our offshore workers page.
Critical Illness Cover
Critical Illness Cover for electricians is also regularly accepted at standard terms with many insurers. Again, the insurance provider will want to know if you frequently work at heights or are an offshore electrician.
Income Protection Insurance for electricians is available with many insurers, but an own occupation definition on the policy is only available with a select few. Ideally you want to ensure that your policy has own occupation definition so that any claim that you make is based upon your ability to carry out your job as an electrician.
Other acceptance terms that are available will base a claim upon your ability to perform a similar occupation, or any occupation at all, making the claims process slightly more difficult. Electricians Income Protection will come with deferment of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks before a successful claim is paid. Our financial advisers will be able to help you determine which deferment period suits your needs based upon employment benefits, savings you have and the price of the policies available.
- Domestic electrician
- Commercial electrician
- Offshore electricians
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