Electrician’s Insurance. Done Right.
Obtaining the optimal electrician’s insurance policy calls for rigorous processes, but we make it easy for you.
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Mishaps are bound to occur. Protect yourself with electrical business insurance.
Electricians aren’t the only people being continuously exposed to personal injury. Others can also be at risk such as:
- Apprentices
- Electrical contractors
- Clients on-site
- Employees
Taking steps to keep them safe is a great start, but it’s impossible to prevent every accident from occurring.
Materials like copper wire and toolsets appealing to criminals must also be considered. The last thing a busy sparkie needs is to discover a painful speedbump in their insurance cover. Time and energy spent finding and waiting for replacement tools and materials could bring a business to its knees.
Mix precaution and education with rock-solid insurance policies
Taking time to protect your equipment and training your team in safety protocols is essential and effective, but, the only way to truly safeguard employees, tools and business is with a detailed electricians insurance strategy and watertight insurance policy.
Quality insurance for electricians will give you the maximum protection needed to be confidently focused on work while incorporating the minimisation of any disruptions as a result of an incident. Policies vary depending on the risks you face, the value of your equipment and the amount of cover you want to take out.
What does electricians insurance cover you for?
Your policy should also offer cover for issues that could arise in the future as a result of your work. For example:
- Unforeseen legal costs
- Stolen tools or equipment
- Property damage
- Accidents with on-site personnel
Additionally, liability cover as part of your electrician’s insurance policy will decrease the risk of expensive electrical goods replacements.
Types of electricians insurance
Within electrical insurance, there are multiple different policies that exist, giving you a wide variety of cover options to suit your business’s needs.
Public Liability Insurance
For most states around Australia, public liability insurance is mandatory and is a must-have in order to work under a professional trade license. This will most probably be your first and main form of insurance that covers you against most third-parties that your business transacts with, including clients, customers, contractors and members of the public.
Tool Insurance
For tradies working with thousands of dollars in power tools, tool insurance is a must-have. Although we can take precautions such as locking vehicles, tagging tools and keeping work vans stored away properly – there is never a 100% guarantee of safety. Our tools insurance can protect against theft, fires and vehicle collisions, and is an obvious choice considering the value that you get for the price.
Income Protection Insurance
Although employees should have access to sick leave, there is no promise on short-term issues. Income protection insurance is not mandatory in WA, but can help you continue to put food on the table for your family should you fall sick or injured for an extended period of time.
Commercial Vehicle Insurance
These days, most tradies and specifically sparkies, work under a small business in which a trade van, ute or other vehicle is essential. This means that our day-to-day work relies heavily on mobility and getting tools to different sites. Because of this, commercial vehicle insurance can become an essential factor in the business. Getting cover to future-proof your work vehicle can save you days of headache should your vehicle break down, get into a crash, or inherit damage from vandals looking for tools.
We’re as precise with our process as we are with your cover
We’re fast and efficient, but you’ll never feel rushed. Combining 300 years’ experience in the field, we’ve built a strong platform of trust and professionalism that allows us to commit wholeheartedly to the promises we make, working together to find the best solutions and insurance advice for your needs.
We know that no single tradie is the same. As insurance providers, so we tailor our service accordingly rather than expecting you to fit into our mould.
