Electrical Contractor Insurance NSW
- 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 moreHow to start an electrical contractor business in Australia
... your business. Who can work as an electrical contractor in Australia? Electricians in Australia must have ... success. With BizCover, you can compare electrician insurance quotes from multiple insurers, select the cover that ...
read moreHow to get more electrical work: 5 strategies to win contracts
... you doing what you do is to safeguard it with electrical contractor insurance*. BizCover offers specialised insurance for electricians and electrical contractor insurance. Best of all, we make it easy and hassle-free ...
read moreQLD Electricians Licence and Insurance Requirements
... the authorised person, confirm the following; The electrical contractor licence applicant (as named in section 1 of this application) holds current broadform public and products liability insurance of at least $5,000,000 ...
read moreElectrician marketing – 12 tips to grow a small electrical business
... Cultivate word of mouth marketing When someone needs an electrical contractor company, they no longer turn to the yellow ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...
read moreHow to estimate electrical work: Top 9 tips for electricians
... quote. 3. Examine the plans As an electrical contractor , you should access blueprints, illustrations, ... include your company's overhead expenditures, such as business insurance, to the estimate. 7. Produce the estimate It ...
read moreHow much does Public Liability Insurance cost for Tradesmen?
... make it mandatory for those with an electrical contractor's licence to hold a minimum amount of Public Liability insurance. Average monthly cost of Public Liability Insurance by level of cover Coverage level Average ...
read moreWhat insurance do contractors and subcontractors need?
... to obtain 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 commercial property. Business Insurance Looking for an ...
read moreDo 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 moreHandyman 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 moreInsurance 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 more11 tips for growing long-lasting contractor business
... and long-term customer. For example, if you are doing electrical work, and you notice a small leak in a pipe ... construction industry. And this is where BizCover and contractor insurance can help ensure that you can keep on ...
read morePublic Liability Insurance in QLD
... 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, electrical contractors must have a minimum of ...
read moreInsurance 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 moreInsurance 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 moreInsurance 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 moreInsurance 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 moreInsurance 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 moreProduct 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 moreInsurance 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 moreInsurance for Tradesmen
... company's reputation. If you'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 ...
read moreInsurance for Landscapers
... also to your business' s 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 ...
read moreA sole traders and freelancers guide to business insurance
... ? These are a few examples of when sole traders and contractors may need to consider Public Liability insurance. If you run your business from home, having clients visit your premises creates an opportunity of risk ...
read moreInsurance for Carpenters
... you manage these types of claims. Professional Indemnity insurance Carpenters are often called on to provide professional advice to clients or other contractors. But if you misspeak or give an incorrect recommendation ...
read moreInsurance for Cafes
... 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 moreA practical guide to understanding business insurance
... most trusted insurers, select your policy and get covered in minutes. There's no messy paperwork or insurance jargon, just insurance made easy. Get a quote today. * This information is general only and does not take into ...
read moreA Guide to PI Insurance
... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes , and purchase in only a ...
read moreWorkers Compensation Insurance
... .au/WorkersCompensation/Insurers/Pages/default.aspx TAS http://www.workcover.tas.gov.au/insurance/licensed_insurers/forms_for_licensed_insurers SA Workers Compensation claims are handled by two claims agents- Employers ...
read moreWhat is Business Insurance?
... in a fire, storm or due to malicious damage or some other defined event listed in the policy. Glass Insurance Cover for breakage of internal and external glass and signage you own or for which you are legally responsible ...
read moreInsurance for Retailers
... stock, plant and machinery, records and furniture belonging to you at the insured location. Building* - this type of insurance will cover for loss and damage to buildings you own, as a result of an insured event (such as ...
read moreInsurance for Project Managers
... services Did you know? Even if your projects take you across the country, your Professional Indemnity insurance covers you anywhere in Australia. Get the cover for your business Professional Indemnity Your role as a ...
read morePublic Liability Insurance Explained
... 75,000 as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! * This information is a general guide ...
read moreDo online businesses need insurance?
Many small business owners and start-up owners know that they can reduce their risk via online business insurance, and many do just that. However, what if your business is a purely online business? Can online businesses ...
read moreUnderstanding Insurance for Graphic Designers
... it comes to you delivering on projects. When things don't go to plan, that's when your business insurance comes into play. We've put this simple guide together to help graphic designers get a better understanding of the ...
read moreUnderstanding business insurance for bookkeepers
... , means there's a real risk of a privacy breach if a cyber attack were to occur. Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach or ...
read moreWhat are some types of insurance available for small businesses?
... external accountant or similar professional and their fees can quickly add up . Get covered Shopping around for business insurance quotes shouldn't be a hassle and at BizCover we aim to keep it as fuss free as possible ...
read moreBusiness Insurance Guide for the Self-Employed – Part 4
... at work. He required surgery and time off work to recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a week for a period of six months. The total policy benefit ...
read moreFinding the right business insurance can be hard but BizCover makes it easy
... concerned that you don't have the right coverage or best prices, make your life easier by choosing BizCover, where insurance is made easy. …Or as some might say, it’s made too easy. https://www.bizcover.com.au/wp-content ...
read moreBizCover Named Top Insurance Employer 2024
... and plenty of opportunities for career advancement. “We're incredibly proud to have been recognised as a Top Insurance Employer of the year, because it shows that when our employees have something to say, we listen,” Ms ...
read moreHiring 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 moreHow 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 moreEmployee vs. independent contractor – What’s the difference
... can help ensure your policy is providing adequate cover. If you go with hiring an independent contractor, you may want to check what insurances they have in place as well as the level of cover. Be sure to also request ...
read moreTop 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 moreWhat 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 moreTop 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 moreSetting business boundaries as an independent contractor
... time away from the office. And while on the topic of investing in yourself, independent contractors can benefit from independent contractor insurance reduce their risks while on the job. 4. Ethical limits and client ...
read more3 ways contractors can build a strong relationship with their clients
... as you could be personally liable if a mistake were to happen. While the overall purpose of contractors insurance is to protect you from the financial fallout of contracting risks, there are many different types of ...
read more5 contractor tips for delivering excellent customer experiences
... can contribute to the long-term success of your independent contractor business by securing it with independent contractor insurance *. BizCover offers business insurance solutions for all kinds of businesses, giving you ...
read moreWhat types of insurance do you need for a cleaning business?
... premises. Whether you operate as an individual contractor (self-employed or sole trader ) or a company, you and your business may benefit from business insurance that specifically addresses the risks associated with ...
read moreInsurance 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 moreWhy 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 moreInsurance for Cleaners
... bills that could drain your bank accounts. Did you know? Many clients require cleaning contractors to have Public Liability insurance before allowing them to work on premises. If you lease office or other commercial ...
read moreEarthmoving 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 moreWhat tradies need to know about Public Liability Insurance
... help keep everyone safe, you may find as a tradie that you are required to have your own Public Liability insurance in place, well before your boots hit the soil. Before picking up your tools, make sure you also have the ...
read moreInsurance for Painters
... and decorators need? Public Liability insurance Public Liability insurance * is a common policy purchased by painters and interior decorators. If you are operating as a contractor, it is important that you undertake ...
read moreInsurance for Nurses
... full-time or part-time, as an independent contractor, or volunteering your medical services at events or to local groups. Public Liability insurance Buying a Public Liability insurance * policy is an easy choice for many ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... a small business needs to consider protecting their business with Public Liability insurance. Occupations such as Consultants /Contractors/ Tradespeople Businesses that have clients visiting their home or out and about ...
read moreInsurance 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 moreBusiness 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 moreBusiness 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 moreInsurance 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 moreInformation Technology Liability Insurance
... contractual requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide ...
read more5 things to consider when purchasing business insurance
... staff do you employ? Do you rely on contractors or suppliers? What utilities, equipment, machinery and technology ... an accident or illness? 2. What type of business insurances do I need to consider? When you have a solid ...
read moreInsurance for Convenience Stores
... 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 moreInsurance for Engineers
... costs and expert fees). Public Liability Insurance Public Liability insurance * is an essential form of coverage for many engineers, as they often work closely with clients and contractors in various locations. A Public ...
read moreInsurance 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 ...
read moreInsurance for Plumbers
... common type of cover chosen by plumbing contractors and subcontractors across Australia, even in states and territories where it is not required. Professional Indemnity insurance* A lawsuit could drain your finances and ...
read moreInsurance for Plasterers
... lifting when it comes to arranging your business insurance, providing competitive quotes online or over the phone in minutes. Did you know? If your business hires sub-contractors, take the time to check that they have ...
read moreSmall Business Insurance: Why you might want to ensure you’re covered!
... large organisation they may stipulate that you have certain insurance to work for them. For example handymen are often ... and driver's license details of 500 on-hired contractors had been stolen. They were able to claim $ ...
read moreLegal Requirement for Public Liability Insurance
... interact with public 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 ...
read moreWhat is run-off insurance and who needs it?
... which means they only cover claims which are made while the policy is active. The purpose of the run-off insurance is to extend your protection beyond the last date of your business trading. This means that if you decide ...
read moreCyber Liability Insurance
... to you? Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance can assist in managing your risk and help you rest easy knowing your business is covered from even the ...
read moreInsurance for Pet Professionals
... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance Take a moment to consider if you were to suffer an accidental injury or fall ill. What impact ...
read moreInsurance for Disability Workers
... , and regulatory bodies like the NDIS. 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 ...
read moreWhat’s the difference between Public and Product Liability insurance?
... can select the cover that will suit your business. There's no paperwork or hard-to understand insurance jargon, just insurance made easy. Get your quote today . * This information is general only and does not take into ...
read moreHow to adapt your business insurance as your business grows
... In our guide we look at some of the things you need to consider when it comes to reviewing your business insurance policy and some of the other types of coverages that are out in the market. Having a risk management plan ...
read more5 reasons you should review your business insurance this Christmas
... is the peak time for burglary. If you have a shop front window, you may also want to consider insurance for glass . This covers you for internal and external damage to glass, signage and mirrors at your business premises ...
read more8 Facts About Professional Indemnity Insurance
... peace of mind, knowing that you're protected after you've closed up shop. 8. Getting your Professional Indemnity insurance sorted is easier than you might think. Gone are the days of ringing insurers one at a time to get ...
read more6 ways to save money on tradie insurance
... On the other hand, make sure your provider knows if you are going to be taking on riskier work in the next insurance period. It might cost you more in premiums, but if you don’t let them know you may find that any claims ...
read moreBizCover Disrupts Insurance by Commoditising it
... a number of big companies. Any deal would allow these new players to use BizCover's website to sell insurance products underwritten by AIG, Allianz, QBE and Vero. Now in its eighth year, BizCover, which employs 27 staff ...
read moreHow Does Professional Indemnity Insurance Benefit You?
... , which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition to ...
read moreInsurance for Manufacturers
... stock, plant and machinery, records and furniture belonging to you at the insured location. Building - this type of insurance will cover for loss and damage to buildings you own, as a result of an insured event (such as ...
read moreReviews related to Electrical Contractor Insurance NSW
-
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
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?
Real people adding real value
Our friendly service team is on hand and on a mission to make you smile!
We won’t bore you with jargon
We’re not fans of complicated insurance speak, so we talk to you in plain English.
Built for small business
We know insurance and what makes small businesses tick.
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.
†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