Electrician Insurance

Regardless of your experience or how carefully you operate, accidents can occur in any work place. Electricians are exposed to daily risks that could seriously damage themselves, their employees, customers, and equipment.

Your local insurance broker representative from Insurance Web will customise your policy to perfectly suit your individual business needs and take the guess work out of your coverage.

Our highly-trained team are dedicated to finding the right cover for our clients and removing unnecessary policy additions that can inflate your insurance costs.

For the right insurance for your needs, contact Insurance Web today!

Call 1300 800 091

Risk Exposures for Electricians

Electricians Hazard index rating

The four biggest risk exposures from an insurance perspective for electricians are:

  • Product Liability
  • Public Liability
  • Employer Liability / Worker’s Compensation
  • Professional Indemnity

Key Insurance Requirements for Electricians

Public and products liability

To protect yourself against any potential incidents that happen to third parties.

Tools and equipment

Get cover for loss of tools or equipment through damage or theft.

Motor vehicles and trailers

Insure against potential accidents or damage to your business vehicles.

IMPORTANT NOTE: In Queensland, licensed electricians must have public and products liability insurance to be able to trade. The Electrical Safety Regulation Act 2002 stipulates you must have at least $5M pubalic liability insurance.Your Insurance Web broker representative can issue you a certificate in accordance with the Electrical Safety Office requirements, and freeing you up to focus on the job at hand knowing you have the cover you need.

Insurance for Electricians North Brisbane

Public Liability Insurance for Electricians or Electrical Contractors

When working as an electrician or electrical contractor, public liability insurance is a must. It covers two key financial risks:

  1. Potential for legal costs if having to defend a claim, and
  2. Any compensation that may be required to pay a wronged party including their legal costs if a claim is ever made against you.

Professional Indemnity Insurance for Electricians

If your electrical business is required to do certification work, such as test and tag as a fee for service, or you provide advice on design work to other trades or builders for a fee, you may also require Professional Indemnity insurance.

Products Liability is designed to extend to advice provided when you or your business actually installs your product, and your business completes the work, however, there is a gap where the only work you do for your customer is design advice or certification work for a fee.

Professional Indemnity generally provides cover for the financial loss alleged to have been incurred by your customer.

If you’re alleged to have provided inadequate services or designs, or advice that cause your client to lose money as a result of your professional advice, this can lead to costly out-of-pocket expenses.

Electricians Insurance Checklist


You will need to specify tools valued about $2500 in your insurance policy, otherwise they may not be covered.

It’s also important to ensure the replacement value of your tools is accurate to avoid being overinsured and paying too much on your premium.

Tool Insurance for Electricians

Tools and equipment commonly used by electricians and should be insured include:

  • Fibre cleaver
  • Fusion splicer
  • Cable analyser & certifier
  • Pro fiber optic tester
  • Optical time-domain reflectometer
  • Plus unspecified general under $2,500 any one item


Book a FREE 30-minute consult

with your local insurance broker representative, Insurance Web.

We’ll go through your personalised Needs Analysis – no strings attached – and we’ll check whether your business is underinsured or if you’re paying for coverage that isn’t relevant.

Insurance for electricians or electrical contractors doesn't need to difficult or overwhelming!

We're Local

We’re based in Strathpine on the northern outskirts of Brisbane, servicing a large area. We work hard to ensure you know we’re on your side and have your best interests in mind when organising your insurance cover.

Industry Expertise

We work with hundreds of small business clients across a wide range of industry. We know exactly what insurance you do – and don’t – need for your line of work. We recommend insurance policies that don’t leave your business exposed.

We Negotiate For You

Insurance Web take the hard work out of your small business insurance. We have the ability to quote up to 10 insurers – and negotiate with them – to get you the best policy and give you peace of mind.

Claims Help

We know that making a claim could be a stressful time for you and your business but we are here to ensure it is a smooth and easy process if the need ever arises. We’ll manage and follow up your claim from lodgement to resolution.

Get Started Today!

The first step is to book a FREE 30-minute face-to-face consultation. No strings attached. We’ll go through your personalised Needs Analysis, and check whether your business is underinsured or if you’re paying for coverage that isn’t relevant.

To claim your free consult call us on 1300 800 091, or fill out our form and we’ll be in touch.

Electrical Insurance Articles