Public Liability Insurance for Electricians

Public liability insurance for electricians and electrical contractors. Compare costs and cover and get suitable quotes for self-employed electricians, electrical businesses plus tools and equipment.*

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Do electricians and electrical contractors need public liability insurance?*

All electrical contractors and electrician small businesses in Australia need public liability insurance.

As a electrical contractor or self-employed electrician you need public liability insurance for electricians as it can protect you and your business against the financial risk of being liable for negligence.

If an accident happens as a result of your electrical business activity you can be held responsible. Public liability insurance is needed to help cover damages and legal fees.

For example, if as result of your electrician activities someone is harmed public liability may help cover their medical expenses and pay for your legal bills.

In Queensland public liability insurance is mandatory for all electricians .

Throughout Australia electrical contractors may need public liability insurance to work on certain building sites or specific clients who request it.

What is public liability insurance for self-employed electricians?*

Public liability insurance for a self-employed electrician protects you from third-party claims of bodily injury or damage to someone else’s property. For example, if you incorrectly rewire a section of your client’s home, this could lead to the wiring overheating and starting a fire. In the event of a claim, Public Liability insurance may assist with the repair costs for the damage caused.

What does public liability insurance for electrician covers?*

Public liability insurance in Australia typically provides self-employed electricians cover for:

  • Third-party injury to other persons – Where your electrician business activities causes harm to others – for example; an electrical contractor accidentally leaves a detached insulation part on electrical cord unattended leading to shock and burn for a client
  • Third-party damage to others property – Where your electrical business activities causes damages to others property for example; an electrical contractor overloads the outlet causing overheating and a fire to occur; causing damage to the clients property
  • Product liability – Where your electrical business products and goods supplied causes harm to others for example ; supply of specialised electrical components for gaming is inadequate for their growing needs leading to overloading of the system and harm to the gamers

How much is public liability insurance for an electrician?*

Public liability insurance cost for electricians snapshot:

Self-employed electricians, starts from around $750* or $70 per month.

$5 million Public Liability Insurance cost for some electricians with no previous claims starts from around $750* or $70 per month.

For electricians that:

  • Work on commercial building sites
  • Have employees
  • Costs will be higher.

*Important : the above is a guide only ; pricing may vary significantly from the above based on your size, clients, experience and electrical business activities.

We serve electrical businesses and electrician contractors all over Australia*

List of states and territories in Australia we can help electricians find the insurance cover they need :

  • New South Wales (NSW)
  • Queensland (QLD)
  • Victoria (VIC)
  • Western Australia (WA)
  • South Australia (SA)
  • Tasmania (TAS)
  • ACT and NT

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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.

Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.