Small business insurance

Public Liability Insurance for Electricians

For electricians the real exposure is the work you leave behind: wiring that causes a fire or a shock weeks after you've signed off. Simple Cover arranges public liability built around that tail risk, for sole-trader sparkies through to contracting crews, with our licensed team.

Get my quote 1300 080 323

5.0★ from 250+ Google reviews 60-second quote Licensed & Australian

Quick Quote

60 seconds

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Selected: Electrician

Liability required

Do you require Personal Accident Cover?

Financial support if you can't work due to injury or illness.

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No obligation. Subject to eligibility and underwriting.

Cover

What electricians need covered

Fire & Shock Claims

If your work is linked to a fire, an electric shock or an injury, on the day or long after you've left the job, public liability responds to the claim and the legal costs. This completed-works tail is the exposure that makes liability cover non-negotiable for sparkies.

Damage on Site

Drilling through a water pipe, damaging a switchboard, a fault that takes out a client's equipment. Third-party property damage claims are common in electrical work and can dwarf the invoice for the job.

The Limit Builders Require

Builders and commercial principals usually require $10M or $20M in public liability and a certificate of currency before you're allowed on site. We arrange the limit your contracts specify.

Personal Accident & Illness

One hand injury and a sole-trader sparky earns nothing. Personal accident and illness cover replaces income while you recover. Answer yes on the form and we'll price it alongside your liability.

Apprentices & Crews

Once you put on an apprentice or a second tradesperson, your liability picture and state workers-cover obligations change. Flag it to us so cover is sized to how you actually operate.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Simple 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?

Public liability is the baseline, commonly $10M or $20M to satisfy builders and principal contractors, covering injury and property damage from your work, including claims that surface after a job is finished. Many sparkies add personal accident cover for their income. We arrange the right mix for you.

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 appears after you've finished, such as a fire later traced to your work, subject to your policy terms. Getting the limit and disclosures right for your kind of work is what the follow-up is for.

How much public liability do electricians need?

Most builders and commercial sites require $10M or $20M; smaller residential work may be fine at $5M. Your contracts set the floor. Tell us who you work for and we'll arrange the limit your sites demand, with a certificate of currency to prove it.

How much does electrician public liability insurance cost?

There's no single price. Premiums depend on your turnover, the work you do, whether you employ, and the limit you need. We compare options across a panel of insurers and come back with quotes.

Can I get covered as a sole-trader sparky with an apprentice?

Yes. Sole trader, subbie or a small crew, cover is sized to how you work, and we'll flag the workers cover your state requires once you employ someone.

Other occupations we cover

Plumbers Carpenters Handymen

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Ready to get electricians covered?

Tell us about your business in about 60 seconds and we come back to you with options.

Get my quote 1300 080 323

Simple Cover is a registered trading name 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).