Electricians Insurance WA
Public Liability insurance for Western Australian electrical contractors that meets Building and Energy standards. Get your certificate of currency quickly and get on with the job.
AFSL Number: 543994
Takes under 2 mins • No long forms • Same-day certificate delivery
5.0
Rated by Electrical Contractors in Australia on Google
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Key Insurance Facts for Electricians Insurance in WA
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Mandatory $5M Limit
Under Regulation 36 of the Electricity (Licensing) Regulations 1991, Building and Energy requires a minimum $5 Million Public Liability (civil liability) policy.
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Site Requirements ($10M–$20M)
Commercial builders, mining operators, and tier-1 head contractors across Perth and WA generally require $10M or $20M coverage before allowing site access.
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Exact Entity Alignment
Your Certificate of Currency must list the exact legal entity—whether individual, company, or partnership—that holds your EC licence.
Built for WA Electrical Contractors (EC Licence)
While an unrestricted Electrical Worker Licence lets you work as an employee, the moment you start quoting, advertising, or contracting work in WA, state law mandates an Electrical Contractor (EC) Licence from Building and Energy.
We work with WA electricians to sort out their insurance. We arrange policies that meet Regulation 36 requirements from day one, ensuring your legal entity name, ABN, and nominee details match your EC licence application perfectly.
What Determines the Cost of Your Insurance in WA?
Insurers calculate premiums based on your specific risk. In Western Australia, the main cost factors include:
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Annual Business Turnover
Your revenue helps determine your volume of work and overall operational risk.
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Team Size & Composition
Whether you operate as a sole trader or manage a team of licensed electricians, sub-contractors, and apprentices.
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Scope of Work
Residential maintenance has a different risk profile than mine site contracting, high-voltage installations, or commercial solar setups.
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Required Coverage
The difference between the $5M statutory baseline and the $10M or $20M limits often requested by head contractors.
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What Happens If Your Policy Isn’t Building and Energy Compliant?
If your Public Liability schedule does not meet WA licensing rules. The licensing people can be pretty fussy as you know, we’ve seen them knock back certificates for the slightest of variances.
- EC Licence Delays: Building and Energy will hold up your new application or renewal.
- eNotice Issues: You may face delays lodging Preliminary Notices or Notices of Completion via eNotice.
- Site Access Denied: Contractors across Perth and regional WA will not issue site passes without a compliant Certificate of Currency.
After my past insurer would wait until the eleventh hour to issue my public liability insurance renewal. I came across CoverTradie, they came to my rescue last year & this year my insurance is being processed in a timely manner & CoverTradie is saving us money.
Professional to deal with, awesome customer service.
Amit from CoverTradie went above and beyond finding my company a public liability policy. No one else could find cover for the niche work we preform. Excellent communication and speedy response time. To top it off he even asked for a discount from the insurance provider which they agreed to!
Highly recommended. A+ service.
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Our Credentials and Licensing
CoverTradie is a trading name of Proper Insurance Pty Ltd (AFSL 543994), operating under Australian financial regulations. Proper Insurance Pty Ltd (ABN 57 659 905 003) is a member of the National Insurance Brokers Association (NIBA) and the Steadfast Group.
Get The Right Cover For Your Electricians Trades In Western Australia
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Get Covered in 3 Simple Steps
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Share Your Details
Tell us about your business setup and EC licence status online or over the phone.
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We Find Your Policy
We source options from underwriters that meet Regulation 36 rules and your specific site requirements.
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Pay & Receive
We send your Certificate of Currency to your inbox immediately, ready for Building and Energy or head contractors.
Cover Structured for Your Business
Insurance set up to meet WA’s $5M civil liability rules—so you can focus on the job.
Ready to Sort Your WA Electricians Insurance?
Frequently Asked Questions
Yes. Under Regulation 36 of the Electricity (Licensing) Regulations 1991, Building and Energy requires all Electrical Contractor (EC) Licence applicants to hold a current civil liability policy of at least $5 Million.
An Electrical Worker Licence allows you to perform electrical work as an employee. An Electrical Contractor (EC) Licence is required to quote, invoice, or advertise electrical work directly to clients in WA.
Yes, a properly structured Public Liability policy can cover third-party property damage or personal injury resulting from work carried out under your EC licence, including work done by your apprentices and subbies Talk to us about your specific subcontractor requirements so we can tailor the policy. (Note: Injury to your own staff requires mandatory WorkCover WA Workers’ Compensation).
Yes, provided you declare your business scope during the setup process. We ensure your policy aligns with your trade activities, whether you work on residential housing, commercial fit-outs, solar installations, or industrial operations. We can also arrange policies suitable for the mining sector.
Yes. While $5M satisfies the statutory requirement for Building and Energy, principal contractors and mining sites across Perth and WA often require $10M or $20M cover before granting site access.