Working as an electrician comes with a range of risks, both on the job and after each job is completed. These risks can lead to expensive claim costs and could harm your business’s reputation.
The most common type of insurance for electrician businesses is Public Liability Insurance. With our insurance for electricians, you can choose a level of Public Liability Insurance that suits your business. You may also want to add cover for things like your tools, commercial vehicles and more.
Getting insurance for your electrical business can offer a number of important benefits, such as:
Public Liability Insurance is important to consider for all electricians, whether you’re self-employed or hired as a subcontractor. If you’re an employee for a construction or trades company, you can check if you’re already covered by your employer’s policy.
Public Liability Insurance is often required for self-employed electricians, subcontractors and trades businesses to take on jobs or enter worksites.
You can get a quote online to see your options and build a policy to suit your business.
As an electrician, you face a range of risks at work every day. Your power equipment, sharp tools and exposure to cables and wires are all liability hazards as they can cause accidental injury or damage.
If things go wrong during or after a job and a claim is made against you, it could have a negative impact on you and your business. Public Liability Insurance is designed to cover you if you’re found liable for claims of negligence. This also includes cover for certain legal costs you might have if you need to defend yourself in a dispute.
For example, a negligence claim could be made against you if:
If you’re a self-employed electrician or subcontractor, some jobs may also require you to have Public Liability Insurance to take on the contract or enter the worksite.
Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.
For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.
Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.
You can insure the vehicles or trailers used in your business, with different levels of cover available2.
Covers insured property like buildings, contents or stock, for damage from fire, storms and other covered causes2.
This can provide you with a weekly benefit, if you can’t do your regular work due to a covered injury or illness2.
Covers insured property like business contents and stock from loss or damage due to theft2.
For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.
Cover for loss of money or goods caused by employee fraud or dishonesty2.
For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.
Cover for specified business cash, for loss caused by theft or accidental damage2.
Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.
Cover for sudden and unforeseen breakdown of your specified business machinery2.
Cover for your office’s computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.
You can get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice online. Log in to your account, then:
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
Whether you work for yourself or are employed by a trades company, your business insurance can be tailored to suit your needs. Our Business Insurance policies all include Public Liability Insurance, as this covers you in case you’re found liable for claims like accidentally injuring someone or damaging someone’s property while on a job.
You may also need an active Public Liability Insurance policy before you can take on certain contracts and start a job.
You may want to consider adding cover options to help protect other areas of your business, too. You can explore cover options for your tools, equipment, vehicles and more when you get a quote.
It's up to you to choose your level of Public Liability Insurance. We offer up to $5 million, $10 million, $15 million or $20 million. If you need more cover, call us on 132 818.
To learn more about what’s covered, read the Product Disclosure Statement (PDS).
It depends on a number of factors, including the type and level of cover you choose, the type of business you run and how many staff you have.
The quickest way to get an estimate of how much it costs is to get a quote.
Professional Indemnity Insurance is designed for professionals who offer services as part of their business, like accountants, architects, graphic designers, marketing consultants, personal trainers, business analysts and more. This cover helps protect professionals in case they are negligent or make some other error while providing their services to clients.
If you don’t give advice as an electrician, you’re less likely to be at risk of claims resulting from professional advice you’ve given to clients.
The most common type of insurance for self-employed electricians is Public Liability Insurance.
Public Liability Insurance can cover you in case of accidental injury or damage you cause to others and their property, as well as certain legal costs. It also covers staff negligence (if you disclose your employees on your policy), which is useful if you hire other people as part of your business.
It's up to you to choose your level of Public Liability Insurance. We offer up to $5 million, $10 million, $15 million or $20 million. If you need more cover, call us on 132 818.
You can also add cover options for your tools, work vehicles and more – so you can cover what matters most to your business.
Mix and match our policy cover options and pay your premium by the month at no extra cost
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Speak to our Australian-based consultants specialised in business insurance
Contact us by phone, web chat, at a branch or via our claims helpline
Can’t find what you’re looking for? We’re here to help. Talk to us over the phone or chat to us online.
You can also ask us to contact you about a Business Insurance quote.
This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations available from this website.
