Insurance for Electricians

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.

Self-employed electricians may consider different types of insurance to protect themselves and their business. Certain types of cover, such as Public Liability and Professional Indemnity insurance, may be required to meet licensing or contractual obligations. Other types of cover can help protect your business assets, like Portable Equipment or Contents insurance (both cover options available through a Business Insurance Package).

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!