Earlier quoted context omitted.
What do you mean electrician's insurance? I do have a so called "DIY insurance" on my home policy - if I damage something while doing a DIY project(drill into a cable or a pipe for instance) my home insurance will cover the repair. Is that not enough?
No, that's just for incidental damage and probably legally mandated by your state. If your house burns down to due to DIY wiring, the insurance company won't pay out a dime (if the inspectors discover it). Electricians have liability insurance provided by an organization specializing in policies for practicing tradesmen. If an insurance company fails to disqualify a homeowner's policy and pays out, it will then go af…
Like someone else said - when you buy a house you don't know how the electrical wiring was done and by whom. Paperwork is required only for the things I mentioned above - new circuits added after the house was built mostly. And even then someone would need to prove that it was done after construction.
So even if the insurance company wanted to deny a claim due to a DIY fitted socket....I think they would struggle, as there's absolutely nothing forbidding me from installing one, and most importantly - my contract with the insurance company doesn't forbid me from doing so.