Construction insurance

Electricians Insurance

For electricians the real exposure is the work you leave behind: faulty wiring that causes a fire or a shock weeks after you signed off. Construction Cover arranges public liability, tools and income cover around that tail risk, placed across 20+ insurers by our specialist team.

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What do you do?

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Cover

What insurance do electricians need?

Public Liability

The cover builders insist on. If your work causes a fire, an electric shock or injury on site, public liability responds to the claim and the legal costs, including claims that surface after you've left the job. Commercial sites usually require $10m or $20m.

Tools & Equipment

Testers, thermal cameras, multimeters, drills and hand tools are the kit you can't earn without. Tools cover replaces them when they're stolen from the ute or damaged on site.

Personal Accident & Illness

As a sole-trader sparky, an injury that keeps you off the tools stops your income. Personal accident and illness cover keeps money coming in while you recover.

Contract Works

On new builds and fit-outs, contract works covers your wiring and materials while the job is in progress, against fire, storm and theft before hand-over.

Workers Injury

Put on an apprentice or a second hand and workers cover protects you when they're hurt at work. We make sure it lines up with your state's requirements.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Construction Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Electricians insurance questions.

Speak with our team on 1300 080 323.

What insurance does an electrician need?
At a minimum, public liability, commonly $10m or $20m to satisfy builders and principal contractors. Most electricians also carry tools of trade cover for testers and hand tools, personal accident cover to protect their income, and, if they design or certify work, professional indemnity. We put the right mix together for how you work.
How much does electricians insurance cost?
It depends on your turnover, the states you work in, whether you have staff and the cover you choose, so there's no single price. We compare 20+ insurers to find the right cover at a competitive premium. Tell us about your business and we'll come back with options.
Do electricians need professional indemnity insurance?
If you issue certificates of electrical safety, design switchboards or solar systems, or give compliance advice, professional indemnity covers claims that your advice or design was wrong. Not every sparky needs it. We'll tell you straight whether your work calls for it and arrange it alongside your public liability.
Does public liability cover a fire caused by my wiring?
Public liability responds to third-party injury or property damage you're found responsible for, including damage that shows up after you finish, such as a fire later traced to your work, subject to the terms of your policy. Getting the cover and limit right for the work you do is exactly what we help with.
Can I get cover as a sole-trader electrician with an apprentice?
Yes. Whether you're a one-person operation or you've taken on an apprentice, we size public liability, tools and income cover to suit, and sort the workers cover you need once you employ someone.

Ready to get electricians covered?

Tell us about your business — about 60 seconds — and our specialist team reviews your trade and comes back to you with options.

Construction Cover is a brand of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).