Insurance for Electricians
Public Liability cover up to $20 million
Policies meet state and territory licencing requirements
Cover for domestic, commercial, and industrial electrical work
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Public Liability up to $20m
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What does electrical contractor
insurance cover?
Electrical contractor insurance helps protect electricians and independent contractors against financial loss caused by accidents, injuries, and lawsuits. It is designed to cover the cost of common risks, such as:
- Third-party property damage and injury claims
- Mistakes or errors in your work
- Legal defence costs
- Tool damage or loss
- Injuries that leave you unable to work for an extended period
Public Liability insurance is the most common type of insurance for electricians. It is required to receive an electrical contractor licence in most states and territories. Our policies meet individual state/territory requirements, including NSW, QLD, and VIC.
BizCover makes offers cover customised for electrical contractors that is designed to protect your business against risks that come with working on-site, in customer homes, and on commercial projects. Customise your cover to match your business needs, so you’ll only pay for the cover you need.
Why do electricians need insurance?
Self-employed electricians, contractors, and electrical businesses may be required to have Public Liability insurance to receive a license, meet contractual requirements, and enter job sites.
Working with residential and commercial electrical systems can create unique risks—from live wires and fires to working with specialised equipment and tool theft. If things go wrong, you could be liable for compensation and legal costs.
| Common risks |
|---|
| Faulty wiring causes an electrical fire after completion |
| An apprentice accidentally cuts through existing cables while installing a new power point |
| You accidentally damage a customer’s floors while working in their home |
| Another tradie trips over your toolbox and is injured while working on a construction site |
| Your equipment is accidentally damaged and must be repaired or replaced before work can continue |
| You’re injured in a game of touch footy and can’t work for several weeks |
Who is electricians’ insurance for?
We cover a wide range of electrical contractors, including sole trader electricians, contractors, and growing electrical companies, including:
Domestic Electricians
Commercial Electricians
Cabling Installation
Garage Door Installation & Maintenance
Antennae Installation
Pay TV Installation
Household Appliance Installation
Solar Installation
Public Liability insurance requirements for electricians
In most states and territories, Public Liability is mandatory for electricians to become licensed. It may also be required to take on jobs, enter worksites, or lease commercial space for your business.
- ACT: Electricians must show evidence of insurance to clients before providing a service (including advising clients if they do not have insurance).
- NSW: There is no legal requirement for electricians to have insurance, but they may need cover in certain circumstances as outlined in the Home Building Act 1989.
- NT: A minimum of $5 million in Public & Products Liability cover is required for electrical work performed under a licence.
- QLD: A minimum of $5 million in Public Liability cover and $50,000 consumer protection insurance is required for licencing.
- SA: There is no legal or licensing requirement for electricians to have insurance.
TAS: A minimum of $5 million in Public & Products Liability cover is required for an electrical contractor licence. - VIC: A minimum of $5 million in Public Liability cover is required for Registered Electrical Contractors (REC).
- WA: Public Liability insurance is required for licencing.
What types of insurance do electrical contractors need?
Electrical contactors may consider different types of insurance to address a variety of risks. With BizCover, you can choose from different types of cover to build an insurance package that works best for your electrical business.
Basic electrician insurance
Additional electrician insurance:
How much does electricians’ insurance cost?
Business insurance for electricians costs an average of $95 per month.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get flexible cover to match your business needs
BizCover offers levels of cover to suit sole traders and growing electrical businesses. Public Liability up to $20 million, Professional Indemnity up to $10 million, and Personal Accident & Illness weekly benefits up to $4,000.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. [
Get flexible cover to match your business needs
BizCover offers levels of cover to suit sole traders and growing electrical businesses. Public Liability up to $20 million, Professional Indemnity up to $10 million, and Personal Accident & Illness weekly benefits up to $4,000.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
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to support the claim
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you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See How Much Other Electricians Have Saved By Purchasing a Policy Through BizCover
Daniel
Electrician from
WA
Saved
$400
on
Public Liability insurance
Feiling
Electrician from
NSW
Saved
$500
on
Public Liability insurance
Franco
Electrician from
WA
Saved
$200
on
Public Liability insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Yes. Public Liability insurance is required for electricians to become licensed and work in most states and territories of Australia. Electricians are usually required to have a minimum cover level. For example, Victorian sparkies must have a minimum of $5 million in Public Liability cover.
If you work in Queensland, you’ll also be required to hold the Consumer Protection extension with a minimum level of $55,000 of cover to provide protection to consumers for defects in electrical work, non-completion of electrical work and liability resulting in an electrician testing their own work.
Generally speaking, Professional Indemnity insurance is not required by law for Australian electricians. However, a policy may be required by project contract, to join professional trade organisations, or to complete specific types of work.
Yes, Portable Equipment cover helps protect your tools and equipment. It can help repair or replace items like tools, business equipment, electronic items, and stock that are lost or damaged due to theft, fire, and other events. It is an optional add on available through a Business Insurance Package.
Getting a certificate of currency is quick and easy with BizCover. Your certificate of currency is emailed to you immediately after purchase. Need additional copies to show you’re insured for a contract or work site access? Just log in to our customer portal and download one at any time!
Hear from our customers
I never give 10/10 for these things. But a good website with easy access and good selection of products
Dave M. Electrician
Quick and easy insurance
Clifford R. Electrician
Easy to understand, clear questions, good quick option comparison.
Timothy G. Electrician
Was a very Simple Process
John M. Electrician
Real-life customer reviews verified by Feefo