Insurance for Electricians

... .50 in total. Had the electrician not held Public Liability insurance he would have been personally responsible for paying these costs. ^QLD Electrical contractor insurance requirement sourced from ESO (2016, August 19th ...

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Do I need Public Liability insurance?

... an electrical contractor's licence. It may also be a requirement under a government or private client contract, or as part of a lease agreement for renting a commercial property. Do I need Public Liability Insurance if ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... or a contractor, there are business insurance options to suit your business and its needs. Let's take a look at what is often one of the most important types of insurance for cabinet makers, Public Liability insurance ...

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What is Public Liability Insurance?

... with other people while doing business in any way you should consider Public Liability insurance. For example:^ Consultants/Contractors/ Tradespeople who work from home or visit their clients' premises Businesses that ...

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5 Tips for getting the best Public Liability insurance for your business

... business and your customers with Public Liability insurance. It offers protection should a ... , or even member of the public, sue your business for ... as it sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for hefty ... to hold a minimum of $5 million PL insurance in order to secure a plumbing license. There ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... business' activities. Failure in obtaining public liability insurance policy can expose ... space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the trades industry, there may also be clauses in contracts ...

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How much does Public Liability Insurance Cost?

... owners can expect to pay around $63.53 per month^ for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is essential for almost every kind ...

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Public Liability Insurance in Perth

... small businesses in Perth pay $33.80**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance in Rockhampton

... , efficient & friendly. Very happy, thank you.” Mark A., Mining Engineer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Mandurah

... who was not pushy, but helpful and happy.” Mishelle O. Retail What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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Public Liability Insurance in Hobart

... , small businesses in Hobart around $29.30**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance in Darwin

... but also uncomplicated. With appreciation and gratitude.” Kelly K. Homeopath What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Brisbane

... hours and valuable time. Job well done.” Michael R. Engineering Consultant What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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Public Liability Insurance in Adelaide

... small businesses in Adelaide pay around $37.50**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...

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Public Liability Insurance in Port Macquarie

... made the whole transaction quick and smooth. ” Mark T., Moulding manufacturer What does Public Liability insurance cover? Public Liability insurance covers claims for personal injury suffered by a third party (such as a ...

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How much Public Liability insurance do I need?

... to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the ...

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What does Public Liability insurance cover?

... means you could well end up paying for the claim straight from your back pocket. Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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Public Liability PPC

... you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and ...

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Public Liability WA

... tripping on a box you didn't put away or your employee damaged a client's antique property? A Public Liability insurance policy will help give you peace of mind. We know, sometimes you just want a quick idea of how ...

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Public Liability NSW

... ! The last thing you want to think about is paying for unexpected accidents – they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Public Liability QLD

... a small business operating in the Trades & Service industry in Queensland can expect to pay for Public Liability insurance is around $84.03 per month. There are a variety of occupations classified within this industry ...

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Cyber Liability Insurance: the safety net small businesses need

... to hit, but the wider public is now starting to realise ... ... some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just ... legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it ...

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Management Liability Insurance

What’s included & what’s not?Get the right coverCould this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... some of the main types of business insurances on the market. Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance provides protection* for you and your business ...

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What is Product Liability Insurance?

... parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term in the policy ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... It's wise to consider insuring your assets, your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your ...

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Public Liability

What’s included & what’s not?Get the right coverPublic Liability Insurance cost Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees ...

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Cyber Liability Insurance

... and get the right cover for your business.i Cyber Liability insurance* is designed to help protect you from claims and support ... the data breach. The cost of hiring a Public Relations firm to assist the insured with re- ...

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Don't let your business be an online target - what you need to know about Cyber Liability Insurance

While the terms 'cybercrime' and 'data breach' may not have existed 25 years ago, they are now commonplace threats facing small business. In fact, in 2017 approximately ... protect your business, using firewalls and anti-virus software to prevent attacks and data breaches, Cyber Liability Insurance will help you deal with the costs and expenses associated with a data breach. Breaches may ...

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Insurance for Plasterers

... contractors, take the time to check that they have their own adequate levels of cover in place. They will not be covered under your policy unless specified in the policy wording. Insurance for plasterers Public Liability ...

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BizCover SME Insurance Price Index Q1 FY20

... material price reductions on their Public Liability insurance, while prices have remained steady ... ... all products, driven by both a 5% (Retail) and 13% decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts the steady industry increases we have seen for ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... risks. Insurance for market stall holders is designed to protect you and your business against the financial risk in the event that something goes wrong, It usually consists of two types of cover - Public Liability and ...

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Insurance for Handymen

... the list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and compensation costs ... your business insurance you must select your occupation as either Electrical or Plumbing ...

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Insurance for Landscapers

... reputation. Are you a contractor? Consider your contractual obligations which may require carrying a minimum level of Public Liability insurance before you set boots on the job. Public Liability insurance may also be a ...

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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 ...

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Insurance for Tradesmen

... 're working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance. You may also be required to hold Public Liability insurance if you are a member ...

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Insurance for Carpenters

... the fees charged by you to complete the job. Insurance for Carpenters Public Liability One of the basic types of insurance carpenters need to consider is Public Liability insurance*. It provides cover for legal fees and ...

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Insurance for Car Wash and Auto Detailers

... trip over a piece of your equipment to trigger a claim. That’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or a ...

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Insurance for Plumber

... found on the Victorian Building Authority website. Insurance for Plumbers Public Liability One of the first types of business insurance to consider is Public Liability insurance*. It is designed to provide protection for ...

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Insurance for Yoga Teachers

... your reputation - peace of mind for you and your business without having to bend over backwards. Public Liability Insurance* Working closely with your clients can also put you at risk of personal injury claims meaning ...

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Insurance for martial art teachers

... spend a lot of time with your clients - whether in a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a ...

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Insurance for Cleaners

... to affect your personal assets if things go wrong. Public Liability Insurance* Do you need it? The short answer is yes. Thankfully, Public Liability insurance is there to provide protection for you and your business ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... on a job or project. Issues with sub-contractors or lengthy delays with construction due to bad ... Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... on: do you employ any staff, or rely on contractors or suppliers? The resources you rely on: what utilities ... key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... you go about your business, there is always the risk of an accident happening, and that's why Public Liability insurance is equally important for yoga teachers. If a student (or perhaps even a tradie doing some work for ...

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Insurance for Gift Shops

... part of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want customers in your store. Public Liability insurance is designed to provide protection for ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... personal care. Did you know? On average, restaurant and café owners pay approximately $75 per month for their Public Liability insurance policy. That's a wrap! No need to get into a jam when it comes to arranging ...

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Insurance for Restaurants & Cafes

... BizCover, you'll get multiple competitive quotes from leading insurers within minutes. Did you Know? Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is 10 ...

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A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... your cover with the right limits in advance. Some industry bodies will require you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade are vital to getting the ...

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Business Insurance

... the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... , and both sectors saw no changes to the cost of their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over the last few years, however this year the increases ...

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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 ...

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Insurance for Personal Trainers

... is important to keep your business fighting fit.  In fact, it's likely that Public Liability insurance is required if you operate as a contractor to a gym or fitness studio, or to obtain a council permit to operate your ...

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Insurance for Architects

... 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 ...

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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 a ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... to protect yourself against claims arising from your previous work. Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general public on a regular basis, there is a chance that ...

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Insurance for Massage & Alternative Therapies

... at another location, you're always working closely with them, making Public Liability insurance an important form of cover. Public Liability insurance is designed to provide protection for you and your business in the ...

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Insurance for Consultants

... Consultant ^Accurate as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for ...

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Insurance for Cafes

... dining at your café to suppliers delivering stock. The reality is accidents can and do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...

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Insurance for Retailers

... party on the insurance policy. Insurance for Retailers Public Liability Insurance* Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed to ...

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Insurance for Butcher Shops

... , without the bull. Did you know? If you are a tenant it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your landlord may also need to be noted as an interested party ...

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Insurance for Psychologists

... to or managing claims which are covered by the policy. Public Liability Insurance* Considering you work closely with your clients; Public Liability insurance is an easy choice. for psychologists. It provides protection ...

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Insurance for Restaurants

... happen in a restaurant environment. You should consider protecting your business with Public Liability insurance. Public Liability insurance is designed to provide protection for you and your restaurant business in the ...

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Insurance for Furniture Manufacturers

... issued to manufacturers/suppliers who fail to comply with mandatory safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a variety of risks that you are potentially exposed to ...

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Insurance for Professionals

... your defence costs (which can include legal costs, investigator costs and expert fees). Public Liability Insurance* Public Liability insurance can be an important form of cover for all types of professionals. It is ...

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Insurance for Dog Walkers

... dog walking business within a public park. Insurance for Dog Walkers Public Liability Insurance* Public Liability insurance is important for dog walkers. Public Liability insurance is designed to provide protection ...

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Insurance for Recruitment Consultants

... with responding to or managing claims which are covered by your policy. Public Liability Insurance* Public Liability insurance is an easy choice for recruitment consultancy services. It is designed to provide ...

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Insurance for makeup artists

... daily basis the stakes are high that something could go wrong, which is why Public Liability insurance is an important form of insurance. It provides protection for you and your makeup artistry business in the event that ...

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Insurance for Real Estate Agents

... assist with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability Insurance* It's likely that you have an office for your clients to visit and you are often ...

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Why do Electricians need it?

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.

Get the cover that’s right for your electrician business

Public Liability Insurance*

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.

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.

Business Insurance*

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*

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).

 

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

A claim could arise from

An electrician was relocating a power outlet for a fridge when he accidentally cut into a plumbing pipe causing a burst of water throughout the kitchen. The entire floor was flooded which went through the kitchen and into the lounge and bedrooms. The owner of the property had just renovated the kitchen and the new cabinetry also suffered water damage.

The electrician had to call in a plumber for emergency repairs to the pipe, and the occupants of the house were unable to stay there. Fortunately, the electrician had Public Liability insurance and was able to make a claim to cover the cost of the plumber, replacement of the flooring and kitchen cupboards, and temporary accommodation for the owners of the house whilst the repairs were being attended to. The policy paid out $16,329.50 in total. Had the electrician not held Public Liability insurance he would have been personally responsible for paying these costs.

^QLD Electrical contractor insurance requirement sourced from ESO (2016, August 19th) worksafe.qld.gov.au/licensing-and-registrations/electrical-licences/electrical-contactor-licences