Insurance for Electricians
Public Liability and Tool Cover
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Public Liability and Tool Cover
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Save Money
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What is electricians’ insurance?
Electricians’ insurance (the many types of business insurance made for electrical contractors) helps you manage the cost of different risks, like mistakes in your work, accidental property damage, and stolen tools.
When you’re working with clients, suppliers, and on construction sites, there is plenty of potential for things to go wrong. Fires, injuries from live wires, accidental damage to a customer’s home, tool theft… these are just some of the potentially expensive risks that could create unplanned bills for sparkies.
That’s why many electricians think business insurance is a bright idea—helping you manage out-of-pocket expenses that might short circuit your finances.
Why do electricians need insurance?
Electricians may need business insurance to get licensed, meet contractual obligations and manage unplanned bills.
Enter a jobsite
Lease a workshop
Become licensed
Work as a contractor or sub-contractor
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Who needs electricians’ business insurance?
Most electrical contractors consider business insurance to protect their businesses, including electricians, cabling installers, and appliance installation services:
Electricians
Cabling Installation
Garage Door Installation & Maintenance
Antennae Installation
Pay TV Installation
Household Appliance Installation
What types of insurance do electricians need?
BizCover has a range of business insurance options designed to protect your business operations, professional reputation, and much more. Build an insurance package that suits your needs and buy online in minutes.
Popular cover for electricians:
Electricians may also consider: :
How much does electricians’ insurance cost?
The average cost of business insurance for electricians is $85 per month* with BizCover.
However, the price you pay may depend on factors such as the size, risks, and needs of your business.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
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 cover you, 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
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
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 cover you, 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.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
Compare Quotes
Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
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
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
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.
Award-Winning Tech & People
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 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
Public Liability insurance is required for electricians to become licensed 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.
Hear from our customers
Real-life customer reviews verified by Feefo
Awesome and saved me $100 a month
Chrisptopher B
Every staff member I spoke to was than happy to help me through all of my questions. Great service! Won me over from a competing company.
James O
Quick and easy. Took the hassle out of shopping around and comparing.
Adam T
So easy to renew – takes the hassle out of organising insurance.
Sarel D
Easy to use and beat my current insurances quote by a long shot- happy.
Thomas T
Real-life customer reviews verified by Feefo