Electrical Contractors Insurance QLD

  • Trusted by over 220,000 small businesses
  • Public Liability and Tool Cover
  • Pay by the month and policy documents emailed instantly

Compare quotes from our trusted insurance partners*:

Insurance for Electricians

... PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. Your customers, clients, and the contractors you work with may rely on your electrical ...

read more

Public Liability Insurance in QLD

... and on a mission to make you smile! Frequently Asked Questions on QLD Public Liability Insurance Electrical contractors in Queensland must have Public Liability insurance to receive, maintain, and renew a licence. By law ...

read more

Do I Need Public Liability insurance?

... regardless of whether it is true, with Public Liability Insurance. Let the insurers and lawyers take care of the ... 50,000 cover in order to obtain an electrical contractor's license. It may also be a requirement under ...

read more

Top 4 Profitable Small Business Ideas in Adelaide

... profitable choice. Whether you’re looking to be an electrical contractor or a handyperson , working as a tradie can ... relationship with your client. Learn more about insurance for a consultancy firm . Final considerations ...

read more

Public Liability Insurance QLD

... Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already have a lot ...

read more

Insurance for Contractors and Subcontractors

... Trusted by over 220,000 Australian small businesses Compare quotes from our trusted insurance partners*: Why do contractors need insurance? Being a contractor is an exciting way to work for yourself. You enjoy a lot of ...

read more

Insurance for Fencing Contractors

... up to 85% of your wages** while you get back on your feet. What does fence contractor insurance cover? Insurance for fencing contractors can help you manage many risks to your business. Depending on the cover you choose ...

read more

Insurance for Flooring Installler

... different insurers is one way to learn how much you can expect to pay for your flooring installer insurance. How to get flooring contractor insurance Ready to protect your flooring installation business? BizCover offers ...

read more

Handyman vs contractor: Which is right for you?

... to do versus the larger suite of services that a licensed contractor is legally allowed to provide. How handymen can reduce their risk with business insurance Given the nature of the job, many handymen choose to reduce ...

read more

Insurance for Concrete Contractors

... from other businesses, even those in your industry. Factors that can impact the cost of insurance for concrete contractors include: Who is covered - A sole trader typically pays less than businesses with many employees ...

read more

What to look out for in a contractor agreement

... But they also have a lot in common, including the need for business insurance* in the form of contractor insurance. We know independent contractors are busy, which is why we've created an amazingly simple and convenient ...

read more

Top 6 mistakes to avoid when hiring a contractor

... you may assume everything is in order, it's a good idea to verify that a contractor has up-to-date insurance. Like any profession, contractor mistakes can happen, so it is vital to ensure that they are covered if things ...

read more

Insurance for Roofers

... and run your business—from drills and grinders to your laptop and smartphone. Why do roofers need insurance? Roofing contractors work in a risky field, but there's more to that risk than just working at heights. Third ...

read more

How to manage your finances as a contractor

... of play as you continue to ply your trade as an independent contractor. When you set up as a contractor and choose BizCover for your contractor insurance * you'll enjoy the convenience of being able to compare multiple ...

read more

Why do welders need insurance?

... , or damage occurring to property due to heat or flames. This is where welding liability insurance (another term for welding contractor insurance) can help . Your PL policy can help you avoid the worst of bad situations ...

read more

Insurance for Electrical Engineers

... our trusted insurance partners: Why do Electrical Engineers need it? As an electrical engineer, ... regular contact with clients, contractors and the general public. Public Liability insurance is typically an important ...

read more

Business Insurance in Bundaberg

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

read more

Insurance for IT Professionals

... also becoming a more common requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public Liability Insurance* Chances are you spend most of your time visiting ...

read more

How to Start a Business in QLD in 7 Easy Steps

... valid or require further details to be accepted in Queensland. Related: Licence and Insurance Requirements for QLD Electricians 6. Grants and support in QLD In those initial days of starting out, getting as much support ...

read more

How To Become a Roofer or Roofing Contractor

... - Fair Trading NT - Building Practitioners Board QLD - Queensland Building and Construction Commission (QBCC ... , accidents and mistakes can still happen. Insurance for roofer contractors is one way to help minimise these ...

read more

How to get an electrical licence in NSW

... NSW contractor licence This electrical licence allows the holder to advertise their plumbing services and contract to do electrical work ... be relied upon as advice. As with any insurance, cover will be subject to the terms, ...

read more

Business Insurance in Townsville

... because an injury or serious illness means you're unable to work while you recover. Personal Accident and Illness insurance can help you keep things running at home and in your business until you're able to get back to ...

read more

Business Insurance in Cairns

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

read more

Do I need a contractor licence in NSW?

... Electrical wiring Gasfitting Plumbing Plumbing Refrigeration What do you need for your contractor ... in common, including the need for business insurance *. We know independent contractors are flat out, which is why we've ...

read more

Workers Compensation Insurance

... different claims agents, appointed by WorkSafe Victoria. QLD https://www.worksafe.qld.gov.au/insurance/apply-for-workcover-policy-online Workers Compensation insurance in QLD is government owned and is underwritten by ...

read more

Hiring a contractor checklist and tips

... As a business you have less exposure to legal liability because contractors will have their own insurance policies in place Cons of hiring a contractor Having contractor workers make up part of your workforce is not the ...

read more

Top 10 marketing tips for contractors for 2024

... about it. Marketing your business as an independent contractor can be difficult. You have limited time and ... should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

read more

Insurance for Glaziers

... by over 220,000 Australian small businesses Compare quotes from our trusted insurance partners*: Why do glass and glazing contractors need insurance? Let's be crystal clear: Unplanned expenses can smash your small ...

read more

Insurance for Carpenters

... the fees charged by you to complete the job. What insurance do carpenters need to consider? Get to know the common ... to provide professional advice to clients or other contractors. But if you misspeak or give an incorrect ...

read more

Insurance for Cleaners

... or you accidentally knock over your client's antique vase smashing it to pieces - the list could be endless. Business Insurance If you rely on your own cleaning equipment to run your business how would you cope if it was ...

read more

Insurance for Plumbers

... premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and loss of revenue due to business interruption in ...

read more

How to become an independent contractor

... in order get in touch with us here at BizCover. We understand all types of contractor businesses and believe insurance should be simple with no-dramas. Receive multiple quotes in minutes from some of Australia's ...

read more

Earthmoving and Excavators Insurance

... to lease a workshop or warehouse space for your small business. Why do earthmoving contractors need insurance? Construction can be a dangerous field, especially for earthmovers and excavators. Working with large ...

read more

Does Public Liability insurance cover employees?

... learning. We will also answer some other key insurance for employees questions, such as does Public Liability cover contractors. What does Public Liability insurance cover? Public Liability (also referred to as Personal ...

read more

Public Liability Insurance WA

... $70.82 per month in 2018 for Public Liability insurance through BizCover . There is a wide variety of occupations ... average monthly premiums below. *Data based on QLD BizCover customers Your Cover Options With BizCover you ...

read more

Why insurance premiums are on the rise

... 2020 bushfires to the floods in 2022 across NSW and QLD, we've been hit by multiple catastrophes in recent ... 3. We are facing economic changes Another reason your insurance premiums may be increasing is due to the many ...

read more

Business Insurance FAQs

... ? Buying Public liability insurance in NSW Buying Public liability insurance in QLD Buying Public liability insurance in WA What is Professional Indemnity Insurance? What does professional indemnity insurance cover? Do I ...

read more

How to become a cleaning contractor

... for success. Have you got your cleaning business insurance sorted? While you're busy building your cleaning contractor business, let us help with your cleaning business insurance *. We'll sweep up and neatly present all ...

read more

Insurance for Handymen

... this work as part of your handyman service, in taking out your business insurance you must select your occupation as either Electrical or Plumbing Services and advise that you undertake more extensive handyman services ...

read more

5 Common Beauty Insurance Claims

... She was busy working on a client when she noticed an electrical burning smell. “I looked to the back of the salon ... against them by making sure you have the right insurance policies in place. It's also a wise idea ...

read more

How to price a job as a contractor

... business, let us lend a hand by taking care of your business insurance *. BizCover offers insurance solutions for all kinds of contractors, giving you peace of mind coverage with no dramas. ***This information is ...

read more

Insurance for Gardeners

... to help you handle property damage, broken garden tools, and other unexpected events. Find insurance for garden contractors online and in minutes with BizCover. Switch and save today and get instant cover. Did you ...

read more

Insurance for Civil Engineers

... , as a civil engineer you will likely be having regular contact with clients, contractors and members of the public. Public Liability insurance  is designed to provide protection* for you and your business in the event ...

read more

What is Professional Indemnity Insurance?

... awarded a contract Example professions: Health Professions , IT Contractors , Management Consultants , Accountants , Estate Agents etc. Professional Indemnity insurance provides a financial safeguard to help protect your ...

read more

Insurance by Industry

... are aware that those who operate in varying industries, often have specific insurance needs and so we aim to provide a policy to suit you ... Cleaners Concrete Contractors Concrete Pumping Consultants Contractors and ...

read more

Insurance for Hair & Beauty Services

... , mishaps caused by chemicals, hot wax, scissors, razors, electrical equipment - these all mean your business accidents. Fortunately, this is where Public Liability insurance can provide peace of mind and protection for ...

read more

5 Surprising Things Business Insurance Can Cover

... that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by ... temporary shuttering, re-doing sign writing, replacing electrical signs and replacement of damaged property. Don' ...

read more

Product Liability Insurance

... can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If ... power adapter is not put together tightly enough, electrical wires become exposed, causing electric shock. A ...

read more

Insurance for Painters

... cover the work of subcontractors. Therefore, sub-contractors should consider adding this cover to their painting insurance package. Insurance for Painters Public Liability Insurance In the world of painting, it's a ...

read more

Business Insurance Perth

... to protect all types of businesses from self-employed tradies to professional contractors and sole traders, just to name a few. Business insurance is there to safeguard your business from the various types of risks ...

read more

Business Insurance Melbourne

... of business structures like sole traders, contractors and self-employed businesses for example from ... this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential ...

read more

Insurance for pharmacy and pharmacists

... answer is probably yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a ...

read more

Reviews related to Electrical Contractors Insurance QLD

  • 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


    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


    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

  • Love the ease of acquiring insurance for the business... well done people

    Dianne B
    Automotive Electrical Component Manufacturing (Except Batteries)

Why do Electricians need insurance?

Fires, injuries from live wires, accidental damage to a customer’s home, tool theft… There are many reasons why protecting your electrician business with business insurance is a bright idea!

When you’re working with clients, suppliers, and on construction sites, there is plenty of 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.

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 insurance do electricians need to consider?

Let’s look at common types of cover you may need to add to your business insurance toolbox!

Public Liability Insurance*

Public Liability insurance is the most common type of insurance that every responsible electrician should have. It covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity.

Electricians in most states and territories must have minimum levels of Public Liability cover to maintain their electrical license. However, even if it’s not mandatory in your state, it might be worth having.

There’s a lot that can go wrong when you’re working on a construction site or in people’s homes. No matter how good you are at your work, 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’ could set you back a couple of grand. It’s times like this when you’ll be glad to have a Public Liability policy!

Professional Indemnity Insurance*

Professional Indemnity (PI) insurance covers electricians for losses claimed by a third party & defence costs due to alleged or actual negligence. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

Your customers, clients, and the contractors you work with may rely on your electrical knowledge and experience. If you accidentally give them bad advice or misspeak while providing a recommendation, you could create big problems.

That’s where your Professional Indemnity policy steps in, helping you manage the cost of claims or lawsuits that come your way.

Business Insurance*

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).

A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

Your tools and equipment are essential to your livelihood, so what would you do if suddenly you were left without them? Protecting them will ensure you’re not left in the lurch.

Personal Accident and Illness insurance

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).

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. Your Personal Accident and Illness policy could help you keep the lights on if you’re injured at work or play.

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

Sole trader electricians may consider several types of insurance for their small businesses. The cover you may need or want depends on your circumstances and how you do business.

The most common cover for electricians is Public Liability insurance. Electricians in most states and territories are required to have this insurance to receive and maintain their electrical license.

Australian electricians often choose other types of cover, such as Professional Indemnity, Business Insurance and Personal Accident and Illness. These policies can help you manage a variety of risks to your business, like negligence claims, damage or loss of your tools, and injuries that leave you unable to work for an extended period of time.

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.

Yes! Portable Equipment* cover, which can be added to your Business Insurance Pack, covers you for loss and damage to your tools and stock due to theft, fire and other perils listed in the wording. So, if your tools of the trade are lost or damaged, you can replace them without needing to go out of pocket or dip into your business savings.

*This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
†The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Coverage for claims on the policy will be determined by the insurer, not BizCover.
© 2023 BizCover Pty Limited, all rights reserved. ABN 68 127 707 975; AFSL 501769