When it comes to workplace safety, Portable Appliance Testing (PAT) is one of the most effective ways to reduce electrical risks. But beyond protecting your staff and equipment, PAT testing also plays a crucial role in your insurance coverage.
If an electrical accident happens in your business or rental property, insurers will want to know: have you done everything reasonable to keep people safe? This is where PAT testing matters.
Is PAT Testing a Legal Requirement?
Strictly speaking, PAT testing isn’t written into law as mandatory. However, UK regulations such as the Electricity at Work Regulations 1989 and the Health and Safety at Work Act 1974 require employers, landlords, and duty holders to ensure all electrical equipment is safe to use.
PAT testing is the most widely recognised way to prove compliance—and insurers recognise this too.
How PAT Testing Affects Your Insurance
- Evidence of Due Diligence
If an accident, injury, or fire occurs, PAT testing records demonstrate that you’ve taken reasonable steps to prevent electrical hazards. - Supporting Insurance Claims
Insurers often ask for proof of regular maintenance. Without PAT certificates, you could face delays or denials when making a claim. - Lowering Liability Risks
If someone is injured due to faulty equipment and you haven’t carried out testing, you could be seen as negligent. This increases the chance of costly legal and compensation claims. - Protecting Your Business Continuity
A denied insurance claim after an electrical fire could leave you paying for repairs, replacements, and lost income yourself.
What Insurers Expect
While requirements vary, most insurers expect businesses and landlords to:
- Carry out regular PAT testing (typically annually, more often in high-risk environments)
- Keep records and certificates as evidence of compliance
- Remove or repair any equipment that fails testing
- Follow a risk-based approach (more frequent checks for high-use or high-risk appliances)
Best Practices for Compliance
- Book regular PAT tests with a qualified provider
- Label appliances with clear pass/fail stickers
- Maintain digital or paper records of all test results
- Act quickly on faults—repair or replace failed equipment immediately
Final Thoughts
PAT testing isn’t just about compliance—it’s about protection. By keeping your appliances safe, you protect people, property, and your ability to make a successful insurance claim when you need it most.
👉 The bottom line: No PAT testing = higher risks, weaker insurance protection, and bigger financial exposure. Don’t wait until it’s too late—make PAT testing part of your safety and risk management strategy today.