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ELECTRICIAN INSURANCE

Insurance Built for Electrical Risk; Not a Generic Small Business Package

Every switchboard you open, every panel you sign off, carries fire, shock and compliance risk that follows the job long after you've left site. We arrange insurance that reflects how electrical contractors work, scaled from a single licensed operator to a business running apprentices.

A Job Doesn't End When You Leave Site

A switchboard upgrade gets signed off clean — then months later, a connection fault sparks a fire.

Whether that claim falls to public liability or professional indemnity depends on whether it's a workmanship issue or a certification one, and most electricians are underinsured for one of the two.

We sort out which insurance responds to which risk, so you're not finding the gap during a claim.

What We Arrange for Electrical Contractors

We compare your risk across a panel of insurers and put together insurance that matches how you work — not a generic trade package. For most electrical contractors, that means:

Public & Products Liability

Responds to injury or property damage caused by your work — including faults that surface after you've left the job, like a wiring issue that causes damage weeks later.

Commercial Vehicle or Motor Fleet

Insures the vehicles you rely on to get to jobs and carry your gear, against accident, theft and damage — scaled from a single ute to a fleet of service vehicles.

Tools & Portable Plant

Covers the testers, power tools and equipment you carry van to van, against theft and accidental damage.

Workers Compensation

A statutory requirement the moment you employ anyone, even one apprentice. Requirements and premiums vary by state. We help you get this right for your jurisdiction so you're not caught out at audit time.

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Electrician Insurance FAQ

Do I need public liability as a sole trader?

Yes — public and products liability isn't about how many people you employ, it's about the risk you create for other people and their property while you're working. Most head contractors and commercial clients will require proof of insurance before they'll let you on site, solo operator or not.

How do I get a certificate of currency?

Once your policy is in place, we can issue a certificate of currency on request — most clients and head contractors will ask for one before you start a job.

I have an apprentice — are they covered?

Workers compensation becomes a statutory requirement the moment you employ anyone, including an apprentice. Requirements and premiums vary by state — we help you set this up correctly for your jurisdiction.

What's the difference between public liability and professional indemnity for electrical work?

Public liability responds to physical injury or property damage from your work. Professional indemnity responds where the claim is about advice, design, or certification — for example, signing off work that turns out not to meet code. Many electrical contractors need both.

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