Electricians Insurance (Excluding Queensland)
Get electrician insurance cover through a reliable insurer at an affordable price for your business.
Insurance for Electricians (Excl. QLD)
Electrician Insurance protects sparkies and electrical contractors from liability claims, property damage, and income loss. If you’re working outside of Queensland, your coverage needs to comply with state-based licensing requirements — but is generally more flexible than QLD’s statutory scheme.
Do Electricians Need Insurance?
Yes. Electrical work is high-risk. Fires, shocks, or damaged circuits can lead to lawsuits, repair bills, and loss of income. Insurance protects your assets, reputation, and ability to keep working. Whether you’re wiring new builds, fixing switchboards, or installing lighting systems, your work comes with high risk. A small electrical fault could result in fires, injury, or equipment damage — leading to costly claims. We help licensed electricians get covered for liability, tools, vehicles, and personal accidents.
Compare Electrician Insurance Quote
We compare top electrician insurance policies from Australia’s leading tradie insurers. You’ll get competitive quotes and the ability to choose a suitable level of cover for your business.
Electrician Insurance Brokers
At Ausure, we specialise in arranging cover for tradespeople and understand the specific risks faced by businesses and workers in the electrical industry. To help businesses and sole trades find suitable cover for your business requirements, we compare electrician insurance policies from trusted insurers, including CGU, QBE, Vero, Zurich, Allianz and more, to bring you quotes that match your state, licence class, and job type.
What Insurance Does an Electrician Need?
Public liability insurance is essential as it covers your business for property damage or personal injury that a third party suffers as a result of your work activities. You’ll generally also need additional insurance cover, depending on the type of electrical work that you’re doing. Here are the most common types of insurance for electrical businesses in Australia:
Public Liability
protects you if someone is injured or property is damaged as a result of your work. For example, faulty wiring causes an appliance fire — your insurance covers the repair costs.
General Property (Tools Insurance)
Electricians use thousands of dollars’ worth of tools and meters. Tool insurance protects against theft or damage on-site, in your van, or at home.
Personal Accident
Covers your van or ute used to transport tools, ladders, and materials. You can also cover signage, trailers, and fitted racks.
Commercial Motor Insurance
Protects your ute, trailer or van — including coverage for tools inside the vehicle or accidents on the road.
How Much Does Electrician Insurance Cost?
The cost of electrician insurance depends on factors such as the type of electrical services provided, your location and the amount of cover required. Most electricians, whether a sole trader or business, find they can get the cover they need with annual and monthly payment options generally available, depending on the insurer.
Get Electrician Insurance Quotes
Enter your business info below to get quick quotes for electrician Public Liability Insurance, plus optional tool and income protection add-ons.
- 1300 857 225
- ausure.com.au
- Level 25, 324 Queen Street Brisbane, Queensland 4000 PO Box 10709 Brisbane AdelaideStreet, Queensland 4000
Expert Knowledge
A professional broker ensures you have suitable coverage for your unique needs, giving you peace of mind with a tailored insurance program.
Save Time and Money
An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.
We Are On Your Side
Your Ausure broker ensures you have appropriate cover and handles the entire claims process, advocating for the outcome you deserve.
How Much Liability Insurance Do Electricians Need?
Most electricians choose $10 million in Public Liability, though $5 million is the minimum for smaller residential work. Larger jobs or commercial contracts may require $20 million cover.
FAQs About Electrician Insurance
No — just let us know and we’ll include those services in your cover.
Yes — your tool insurance can be tailored to include high-value items.
We can provide Australia-wide cover for licensed electricians.
Yes — as long as you declare staff or subcontractors, they can be included in your liability policy.
Examples of real public liability claims include:
- Faulty Switchboard Connection: An incorrectly wired switchboard caused a partial power outage and damage to electrical appliances in a client’s home. Claim total: $8,600.
- Trip Hazard on Site: A client tripped over an extension lead during a fit-out. The electrician’s Public Liability cover paid $14,200 for medical and legal costs.
- Ceiling Fire: A short circuit caused a fire in a ceiling void. The job involved over $20,000 in damages. Insurance covered property damage and legal costs.
Electricians Insurance Australia-Wide
Ausure helps electricians find insurance policies for your business. Whether you’re located in ACT (Australian Capital Territory), NSW (New South Wales), SA (South Australia), VIC (Victoria), or WA (Western Australia), we can connect you with electrical contractors insurance through our key insurance partners. For electricians in QLD (Queensland), visit Electricians Insurance with Activities in Queensland.
What Makes Ausure the Right Choice For Your Electrician Insurance?
- We know your state’s licence and compliance rules
- Fast same-day quotes from leading tradie insurers
- Tools, income, and vehicle cover available
- Full support with claims and renewals
- Option to pay monthly
Our Story
Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.
- Experienced Team
- Full Claims Service
- Insurance Coverage
