Electricians Insurance

Are you an electrician and need to find the right insurance at the right price? We’ll do the work for you, so you can continue doing what you do best.

Call our Electrical Insurance experts on 1300 400 707 or fill in the form to find out more.

If you are an electrician, it’s important that you protect yourself against the many financial risks associated with an electrical business. Further, states such as Queensland require  specific Consumer Protection Liability of at least $50,000. Whether you run a business or are a sole trader, and whatever your speciality - whether it be solar installations, air conditioning, auto-electrical, substation electrical, residential, commercial or something else - we can help you find suitable Electricians Insurance options for your needs and budget.

What is Electricians Insurance?

In a nutshell, Electricians Insurance can protect you in the event that your negligence results in the damage of a third party or property. Claims arising from defective work, faulty installations, injuries from tools and interruptions from power supply are just some examples of issues that the right Electricians Insurance policy can protect you with.

As mentioned above, states such as Queensland also require specific consumer protection liability of at least $50,000.

We classify work conducted by electricians as high risk. The good news is there are ways to manage these risks. One primary way to manage these risks is by equipping yourself with the right Electricians Insurance.

When it comes to Electricians Insurance, we can help you find tailored policies that include:

Product Liability Insurance to protect your business from claims arising from issues such as faulty installation of electrical wiring

Professional Indemnity Insurance to protect against losses arising from negligent activities

Public Liability Insurance to safeguard against issues arising from customers, suppliers or members of the public being injured or sustaining property damage as a result of negligent activities

Specialist Contract Works insurance may be required in relation to construction projects

Consumer Protection Insurance - As mentioned above, policies that meet eligibility requirements for an electrical contractor’s license in Queensland must have this

Who needs Electricians Insurance

It is crucial that anyone who works in the electrical trade invests in Electricians Insurance. Not only is the Consumer Protection option a legal requirement for Queensland electricians, but having the right policies in place can give you peace of mind in such a high risk sector.

Electricians Insurance applies (but is not limited) to:

Electrical contractors

Residential electricians

Commercial electricians

Construction electricians

Emergency electricians

Highway electrical systems electricians

Auto electricians

Electrotechnical panel beaters

This is not an extensive list, and if you would like to discover the best insurance solutions for your profession, don’t hesitate to contact us.

What does Electricians Insurance cover?

Electricians Insurance can cover:

Product liability

Professional indemnity

Public liability

Faulty installation of electrical wiring

Substantial bodily injury or property damage claims

Completed Operations exposures

Risks involved with the use of lower-quality products or materials

Not following specifications or building codes, and defective work

Damage to customer and other third party properties

Business interruption claims e.g. from interruption of power supply

Third party injuries from tools

Equipment and contact with exposed electrical conduits/wires and electrical fires

Claims arising out of an error or omission in design, consultancy or professional advice

This is not an extensive list and does not take into consideration your unique situation. Contact us for more information about what Electricians Insurance can do for you.

What's not covered with Electricians Insurance?

Electricians Insurance does not cover:

Previously known claims or circumstances

Claims made against directors and officers (see Management Liability Insurance)

Claims arising from employment / employees

Damage from intentional acts

The Crucial Insurance difference

We are a licensed Business Insurance Broker with a wealth of experience in helping electricians find the right Electricians Insurance. We prioritise ethics and honesty over profits - that’s why our client’s continue to choose us as their preferred business insurance specialists.

The range of insurance options advertised in the market can be overwhelming, and, without guidance, can be costly. We’ll help you filter through the clutter to help you find insurance policies more suited to your needs and budget. We’re proactive, experienced and when it comes to insurance, will treat your business as our own.

Need Electricians Insurance? Speak to one of our Electricians Insurance specialists to discuss your options today.