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Electricians in Chippenham work across a town of three distinct ages. There is a historic timber-framed and Georgian core, a belt of Victorian housing that grew up around the former railway works, and — increasingly — extensive modern commuter estates spreading out along the River Avon in north Wiltshire. Sitting on the main line and the M4 corridor, Chippenham has drawn in light industry, distribution and services, so a single working week can run from a fixed-wire test in a period cottage, to first-fix on a new estate, to a three-phase fault on a commercial unit. Apex arranges commercial cover that reflects that mix, placed by a named broker who will work to present your risk to insurers who understand electrical contracting.
Chippenham's mix of building ages is unusually clear-cut, and the age of the property tends to dictate the electrical work and the exposure that goes with it.
As a well-connected commuter town on the main line and the M4 corridor, Chippenham carries a substantial rental base across both its period streets and its modern estates. Privately rented homes in England need a fixed-wire inspection (an EICR) at least every five years, with any remedial work put right, so inspection, certification and remedial jobs are a recurring part of the local workload.
That inspection-and-certification work carries its own exposure. Signing off an installation, or missing a defect, can put your professional judgement in the frame as much as your practical work, which is why the interplay between public liability and any professional exposure is worth getting right.
Chippenham's growth has been driven by its transport links, and with them a base of light industry, distribution and services. For electricians that means work beyond the domestic: three-phase supplies, machinery and process wiring, lighting and containment in commercial and light-industrial units, and maintenance where downtime carries a cost for the occupier.
Commercial and industrial work changes the shape of a claim. A fault that halts a production line or a distribution operation can bring a consequential-loss argument as well as physical damage — something the liability limits you carry should reflect.
Design, installation and inspection to BS 7671 (the IET Wiring Regulations) — the technical baseline for the work and for the certificates you issue.
Periodic fixed-wire inspection and testing (EICRs), including the five-yearly requirement for privately rented homes, and the remedial work that follows.
Part P of the Building Regulations for notifiable domestic electrical work.
Competent-person scheme membership — schemes such as NICEIC and NAPIT are common routes to self-certify notifiable work; we do not assume you hold any particular accreditation.
CDM 2015 duties on larger contracts, which can apply on estate and commercial sites.
A consumer-unit change in an occupied period home in the historic core develops a fault that damages the customer's property — public liability responds to the resulting damage, subject to policy terms.
A visitor or other trade is injured on a commuter-estate plot during first-fix — public liability territory, subject to the wording.
A fault following work on a commercial or light-industrial unit stops the occupier trading — consequential-loss exposure that tests your liability limits and the policy terms.
Test instruments and tools are stolen from the van overnight — tools cover responds, subject to security and overnight-storage conditions.
An employee or labour-only sub-contractor is injured on site — employers' liability responds; RIDDOR/HSE involvement is possible.
Tell us about your electrical contracting business in Chippenham and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.
