Business Insurance For Electrical Contractors

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Reviews related to Business Insurance For Electrical Contractors

  • Easy to use

    Darcie P
    Electrician/Electrical Contractor - Domestic

  • Great experience, easy, streamlined and clear to understand.

    Simon L
    Electrician/Electrical Contractor - Domestic

  • nice and easy

    David P
    Electrician/Electrical Contractor - Domestic

  • QUICK AND EASY, GOOD PRICE

    Timothy P
    Electrician/Electrical Contractor - Domestic

  • Thank you. Very easy great to use.

    Jason J
    Electrician/Electrical Contractor - Domestic

  • easy and fast

    Geoffrey M
    Electrician/Electrical Services

  • Fast & helpful!

    Michael A
    Electrician/Electrical Services

  • great

    Bradley C
    Electrician/Electrical Services

  • Great

    Tony F
    Electrician/Electrical Services

  • GREAT SEVICES MADE ME LAUGH AFTER A HARD DAYS WORK

    Dusan B
    Electrician/Electrical Services

  • Loved it

    Adam M
    Electrician/Electrical Services

  • Quock easy cover no hassle!

    Ryan P
    Electrician/Electrical Services

  • simple and easy to use

    Anthony L
    Electrician/Electrical Services

  • Simple and easy, good service

    Ben T
    Electrician/Electrical Services

  • Very easy to use for online renewals

    Callum T
    Electrician/Electrical Services

  • very simple process

    Alan J
    Electrician/Electrical Services

  • website is a winner

    Mitchell P
    Electrician/Electrical Services

  • Easy to use online to renew. Thanks.

    Ben E
    Electrician/Electrical Services

  • Fantastic. Needed to organise business insurance for a new business over the Christmas holiday period. No other insurance companies were open. What a relief I could search, compare and secure a new insurance policy online through BizCover! Highly recommen

    Katherine W
    Motel Operation

  • very easy and seamless process. It took me less than 20 mins through bizcover to insure my business whereas i also tried to go through an insurance broker who took 2 weeks and did nothing for me.

    Smita K
    Finance and Mortgage Broking

  • You make life a lot simpler in choosing business insurance. Thank you.

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    Information Technology

  • easy process from start to finish for uncomplicated business insurance.

    Alisha O
    Management Consulting Service

  • Easy, great service, definitely recommend to those putting off business insurance because it's too hard"!

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    Professional Writer

  • Great alternatives for my business insurance. Saves a few hundred dollars by simply service the service :)

    Corey H
    Gift Shop Operation (Except Adult/sex Shop)

  • Made the whole process of securing business insurance easy! Thank you!

    Rosslyn C
    Management Consulting Service

  • Quick and efficient service for business insurance

    Franco M
    Horticultural Services

  • Simple easy and efficient service for business insurance renewals.

    Scott E
    Training Consultancy Service

  • Simple enough to navigate and compare, and as a first time business insurance purchase gave me confidence over other online services due to the disclosure of the underlying companies and their PDS.

    Duncan S
    Management Consulting Service

Why do Electricians need insurance?

Protecting your electrician business with business insurance is a bright idea. When you’re working with clients, suppliers, construction sites and throw some tools into the mix, there is a potential for things to go wrong. The last thing you need is a client injuring themselves on one of your sites or an expensive piece of your equipment stolen.

Don’t let a potential slip-up in your work or a client with a short fuse, short circuit your business. Protect it against liability claims and other unexpected events. With just a few clicks or a single phone call you can get multiple competitive quotes from leading insurers. Select your preferred policy and get covered instantly, so the only thing you need to worry about is adding a bit of spark to your client’s day.

These are some of scenarios when business insurance may help protect your business:

  • It may be a requirement to have a certain level of Public Lability insurance in place before you start working on a job. This may be common for those who work as electrical contractors.
  • If you have business premises where people visit, you may want to protect your business furniture/stock etc. with Contents insurance. If you own the building, then Building cover is also an important type of insurance to consider.
  • Working as an electrical contractor, you may have different business insurance requirements outlined in your contract other than just Public Liability insurance. Make sure you check the minimum levels of cover required and ensure you have adequate cover in place before you pick up your tools.

Did you Know?

Public Liability insurance is a mandatory licensing requirement in most states and territories of Australia, usually requiring a minimum cover level of $5 million.

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.

What insurances do electricians need to consider?

Let’s take a look at some of the types of coverages you may need to add to your business insurance toolbox!

Public Liability Insurance*

Public Liability insurance is something every responsible electrician should have and is designed to provide protection for you and your electrical business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

A vital protection for electricians protecting against accidental injury or damage to a third-party as a result of your business operations.

Let’s be honest, there’s a lot that can go wrong. No matter how good you are at your work as an electrician, the risk of causing fire, property damage or personal injury is high. Even the smallest of mistakes can have big consequences, for example, the good old ‘putting a foot through the ceiling’ can set you back a couple of grand.

Professional Indemnity Insurance

Protection for electricians that have clients who rely on the professional advice that they provide.

Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

Business Insurance*

A variety of business insurances to protect things like your tools, electrical equipment and tax audit.

Your tools and equipment are essential to your livelihood, so what would you do if suddenly you’re left without them? Protecting them with General Property cover will ensure you’re not left in the lurch. Also called Portable Equipment insurance, it can cover specified items such as tools, business equipment or electronic items.

Personal Accident and Illness insurance*

A financial safeguard providing a source of income if you accidentally injure yourself or become ill and are unable to work.

You rely on your physical ability to get the work done – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work? Accidents can happen anywhere, anytime. It could be at work or even when you’re out and about enjoying your spare time.

Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment).

Why should electricians choose BizCover for their business insurance?

BizCover - Real People

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

BizCover - No Jargons

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English.

BizCover - Built for Small Businesses

Built for small business

We know insurance and what makes small businesses tick.

BizCover - Clear and Competitive Pricing

Clear and competitive pricing

You can compare and choose from a range of highly competitive prices right there on your screen.  Seriously.

Frequently Asked Questions

No two electricians are the same. Each has its own unique features and exposures to risks, so it makes that your insurance policy is priced based on your individual factors and circumstances.

The cost of your policy will depend on a variety of things like the type of business, your annual turnover, number of staff, level of cover, claims history and where your business is located.

To receive an accurate idea of how much business insurance will cost for your electrician business have a chat to our friendly team to get a quote.

Portable Equipment cover is designed to protect your expensive tools of trade, protecting them anywhere in Australia!

* The information provided on this page is general guide only and does not take into account your personal objectives, financial situation or needs. This information should not be construed as any form of advice. Consider your own personal circumstances, objectives, financial situation, needs, Product Disclosure Statement (PDS), and full policy terms and conditions before making a decision. Product descriptions on this page are intended only as a guide to coverage terms and conditions, and should not be relied upon to determine policy coverage. Policy coverage is subject to the specific terms and conditions of each policy wording.