Electrician Insurance

Insurance for electricians with the right coverage

As an electrician you're exposed to risk on a daily basis, and no matter how careful you are or how many years of experience you have, you know better than anyone that accidents happen.

Save up to $100 online

We know that the insurance needs for electricians are specific, and having the right level of cover is not only vital to the financial future of any successful contractor or electrical business, it’s also mandatory in many states. Plus if you buy online you can save up to $100.

Need a certificate of your current policy?

If you need to prove you hold an existing SGIC Business Insurance policy, you can request a Certificate of Currency.

Request Certificate of Currency now

If you would like a copy of your policy, you can request a Certificate of Insurance.

Request Certificate of Insurance now

If you require we can provide you with a Tax invoice.

Request Tax Invoice now

Most popular types of cover

  • Public and Product Liability. Covers claims against you for negligent acts in connection with your business that results in personal injury or property damage to third parties
  • General Property. Cover for your equipment and tools of trade against loss, damage or theft
  • Fire and Defined Events. Protects you against loss or damage to your business tools, equipment, contents, stock or a building in the event of a fire, lightning, explosion, earthquake, impact including falling trees, malicious damage and storm damage at the business premises
  • Personal Accident and Illness. Protects your business or family income should you suffer an injury or illness that prevents you from completing your normal work duties. This can provide cover for the self-employed where there's no access to sick leave

  • Motor Vehicles. Covers you for business motor vehicles and mobile plant used to operate your business
  • Burglary. Covers you from an unknown person(s) breaking into your premises or the premises you are renting and stealing your business stock, contents or equipment
  • Money. Covers money being stolen from your premises
  • Multiple Risks. Covers you for accidental loss or damage to specified items of property anywhere in Australia or New Zealand
  • Tax Audit. Provides you cover for the cost of professional fees resulting from an audit or investigation which relates to you paying a tax
  • Fraud and Dishonesty. Provides cover for you against loss of money caused by any fraudulent or dishonest act or omission by an Employee with the clear intent of making improper personal financial gain
  • Electronic Equipment. Covers you for breakdown of office equipment such as computers, printers, fax machine and phone equipment
  • Machinery. Covers breakdown of cash registers, cool rooms, display fridges or air conditioners
  • Glass. Covers breakage to shop front windows, glass shelving or display cabinets, sign writing and advertising signs
  • Business Interruption. Covers the loss of profits after your business suffers damage due to an insured event, such as a fire or storm and the business is closed for the process of rebuilding or repairing the damage. If you are no longer able to trade because of this event, you can continue to receive a cash flow to help ensure your business returns to its normal operation

Why do electricians need insurance?

When it comes to being an electrician, you know better than anyone the occupational hazards you face everyday - more so than many other profession. Just think about your daily exposure to:

  • Risk of electrocution or electrical burns
  • Solvents, solder and other hazardous materials
  • Fire
  • Welding accidents
  • Repetitive manual tasks that may result in physical injury
  • Liability hazards
  • Each one of these risks could result in personal or employee injury (injury to you or your employees isn't covered under liability and will be covered either under Personal accident or Workman compensation) that could result in large claims against your business. These costs alone could be enough to make you insolvent.

Our insurance for electricians can help to ensure that you won’t be left out of pocket if something goes wrong.

Is electrician insurance mandatory?

Electricians who work in certain Australian states, such as Queensland, are required to hold a valid public liability insurance policy in order to gain their Electrical Contractors license.

Also, most building and construction companies now have strict public liability insurance requirements before you can work on site.

How can electricians insurance benefit your business?

If you're unable to work due to injury or illness, or your business faced a large liability claim would you still be able to support your family, cover your mortgage payments and pay the bills?

The main benefits of taking out SGIC Tradesman Insurance Policy that helps protect you, your family and your business include:

  • Replacement of your income with a weekly benefit if you're unable to work due to injury or illness. This can provide cover for the self-employed where there's no access to sick leave
  • Cover against liability claims you may face if your work as an electrician has resulted in property damage or personal injury to a third party
  • Financial protection for your business against any fraudulent, dishonest activity or omissions by an employee
  • Cover for your commercial vehicles and tools against theft, fire or accidental damage

Important documents

Download the Product Disclosure Statement (PDS)

Including your home in your Business Insurance?

Download the Home Key Fact Sheet (KFS)

Our Home Key Facts Sheet (KFS) sets out some of the events/risks covered and not covered by our domestic homes listed in Business Insurance policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

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Our Business Insurance provides you with

  • Value for money
  • Immediate cover
  • Minimal paperwork
  • Flexible payment options
  • Reward and recognition
  • Tailored cover