Electrician Insurance
Insurance For Electricians Done Properly and Cost Effectively
Whether its your first time getting the Electrician Insurance or you are looking for a better renewal, we can help you!
Table of Contents
Electrician Insurance
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What insurance do you need as an Electrician?
Electricians faces many types of risks, such as risks to your property like, stock, tools of trade, vehicle etc. A business also faces other risks of liability to others when you end up damaging someone else’s property or causing an injury to others.
Without going into much detail, a variety of these risks can all be packaged together and insurers over the years provide solutions called business insurance packs. Like any other business, tradies are also exposed to these risks which can be managed. We can help you get:
Insurance for Electricians
for the following categories:
- You are just starting up and it’s your first time getting electrical contractors insurance
- Established business who need a better policy or reduce their premium
- Your work involves high voltage & electricity distribution facilities
- You are an industrial electrician and work at food manufacturing
- You work in the mining sector
- You need coverage for QLD also even though your base of operation is in other states.
- Or, you just need to deal with Tradie Insurance Brokers who would provide good service.
Regardless of what category you fit in, there’s opportunity to improve things and that’s what we are here for.
Electrical Contractors Insurance
Below we discuss
- What is it?
- How much does Electrician Insurance Cost?
- Some key exclusions that you should keep an eye on.
Let’s start with:
public liability insurance for electricians
Liability risk arises when you are responsible for damage to someone’s property or causing an injury or someone’s death in the course of running your business.
Claim Example
You’ve undertaken a project to re-wire a home, an apprentice didn’t quite do the job that well and registered electrician didn’t check the apprentice’s work.
The loose connection has later on sparked and set off a small fire.
The fire only results in a small damage – a rather good outcome if things are put in perspective because often these types of sparks can result in some serious damage and total losses.
The owner of the property makes a claim against you and this is where your public liability insurance comes in handy.
Electricians Insurance Quote
With CoverTradie you get
Solid Insurance Cover
Get peace of mind that you & your family are well covered
Affordable Pricing
Save money for the new ute, boat or for financial investments
Great Service
Professional insurance work, done quick and explained in plain English
Just like ordering an Uber, it’s as Easy as…
Quick Phone Call
To get some basic info about your business.
Get Your Options
We do the heavy lifting of finding the right insurance for you.
Pay And You Are Done
Monthly or Annual Payment Options.
Electricians Insurance Cost Comparison
Cover Tradie Insurance Brokers are keen to find you the most competitive insurance out there that provides you the cover that you need.
The goal of every customer usually is to do a good Electrician Insurance Comparison before making the decision. You can also do that by going from insurer to insurer yourself. Its not rocket science, it just takes time.
Or, you could ask us, with our experience we’ve learnt which insurers to go to and what to look for when setting up policies.
We’d be delighted to help you get just the right insurance for you.
Electrician Public Liability Insurance
Avoid under-insurance and save money on your Public Liability Insurance
There are countless stories of badly set-up Public Liability Insurance policies that are confusing to understand, full of exclusions and way too expensive.
CoverTradie has a simple process that cuts through the insurance industry red-tape to get you hitting the insurance “sweet-spot”. This means you are never under-insured or paying too much for your insurance.
3 Things You Should Focus On When Getting Your Electrician Public Liability Insurance.
Coverage
Your exact Occupation must be displayed on your policy.
Exclusions
Sneaky little things that must be avoided. Check those.
Affordability
Low prices and an ability to pay monthly.
Similar Articles
Best Electrician Insurance – Why choose CoverTradie?
Avoid
- Insurance doubts
- Getting ripped-off
- Unpaid claims
Get
- Clarity of cover
- Sharp pricing
- Managed Claims
Electricians Insurance Reviews
See what our customers are saying…
I have been extremely impressed with the service we have received using CoverTradie.
We recently had an unfortunate break in at a property my business styled for sale. Our previous experience with insurance brokers had been terrible and took 6 months to get a simple claim approved for us. This was not the case with CoverTradie.
The claim was approved in a day, the process was extremely simple and efficient and the customer service was exemplary. It was such a relief to have such an easy process and we were so pleased we had changed to CoverTradie to be our insurance broker.
Due to this excellent service, I have also engaged CoverTradie to do the insurance on my personal property and contents insurance, as well as the contents insurance for my business and car insurance for my business.
I could not recommend their services more. They provide a smooth, stress free and highly efficient service that puts me as a business owner (and home owner) at complete ease.
We are very happy with the service and professionalism of Cover Tradie.
We know that our business insurance needs have been taken care of and that we are in good hands with the policy that has been selected for us.
We whole heartedly recommend any trades businesses out there looking for insurance to go with Cover Tradie.
CoverTradie was great at ensuring our plumbing business gets the right cover! They were responsive and gave us all of our options! Super reliable and easy to work with!
Frequently Asked Questions (FAQ) Electrician Insurance
Do Electricians need Professional Indemnity Insurance?
Professional Indemnity Insurance protects a business from financial claims where a business has been found to cause a loss to someone by provision of poor advice or professional services.
If as an Electrician you are engaged in provision of advice for example, checking someone’s work and writing a report, then yes you should have professional indemnity insurance. This is because if you provide incorrect advice (via a faulty report) then you can be sued for losses caused by your report.
In most cases though, if you are changing switches and fixing light fittings you work isn’t likely to be considered as advisory in nature in which case you probably wouldn’t need to have professional indemnity insurance but the best way to know is to discuss with a qualified insurance broker.
Can I pay insurance via monthly instalments?
Yes, we can organise a premium funding arrangement so that you can pay your premium in monthly instalments.
Does this insurance cover my employees?
It depends what the issue is! If one of your employees has caused a damage to a third-party on a job site, then yes, the public liability policy should responds. If however your employee has got hurt at a job site, then your workers compensation policy should respond or your group personal accident insurance if you have taken one.
Are subcontractors covered under my Electrician Insurance?
Work done by subcontractors needs to be notified to your insurers, usually the total amount expected to be paid to the subcontractors and whether subbies have their own insurance policies or not.
Are my tools covered?
If you have taken out General Property cover or Tools insurance then you should be able to make a claim, depending on the terms and conditions and the limits of the policy. Talk to us and we can help you get the right insurance.
Are my tools covered if they are stolen from my vehicle?
As above, theft of tools from vehicles is covered under a General Property policy. Give us a call on 1300 190 535 to discuss.
Is my work trailer covered under insurance?
Trailers need to be insured under a motor vehicle policy, its not covered under your public liability insurance.
Am I covered for work not related to my occupation?
Usually the answer is no in 99.99% cases but let us know if you would like to discuss. Give us a call on 1300 190 535 or Get a Quote By Email.
Affordable Electricians Insurance Australia
CoverTradie has been helping with Electricians Insurance Australia wide for many years and we can organise the insurance that is compliant with the local state requirements.
States can have different requirements for insurance for different trades. A good example is QLD Electrical Contractors Insurance.
No matter where you are in the country, we can sort out your Electricians insurance.
Insurance for electrical contractors QLD
Electrical contractor public liability insurance requirements in QLD are a little different than they are in the rest of the states.
In Queensland, to be able to get and renew your Electrical License you must have Electrical Public Liability Insurance of at least $5 million along with consumer protection cover of at least $50,000.
This isn’t anything complicated, we do this automatically as soon as we know someone needs to work in QLD as an electrician.
We have done this for electricians in other states that have picked up jobs in QLD and require the extension.
We can organise this for you as we have for many other Electrical Contractors in QLD.
Electrical Contractors Insurance Victoria
Don’t trust anyone who says Electrical Contractors Insurance in Victoria is expensive. Keep in mind that: Good Insurance prices start around $455 for 12 months or around $45 per month. Insure with only good insurers who actually pay claims. (We can help) Employ a broker that has skin in the game with you.
Electrician Insurance NSW
Unlike Queensland, Electrician Insurance in NSW is very reasonably priced with many insurers competing for your business. Keep in mind that: Prices start around $489 for 12 months or around $45 per month. Plenty of insurers to chose from, so pick an insurer that pay claims. We can help…
Electrical Contractor Insurance SA
Many have been lead to believe that Electrical Contractor Insurance in SA is expensive because Electricians are a high risk trade. You know what,There’s NO NEED to believe this BS. Keep in mind: CoverTradie’s knowledge has helped many and now you can benefit also.
Electrical Contractor Insurance WA
Insurance industry thrives on keeping things complex and confusing, how else would customer pay more for their insurance? You know what? There’s NO NEED. Keep in mind: CoverTradie’s knowledge has helped many and now you can benefit also. You just need the right insurance that saves money and prevents claim time headaches.
