Whether you’re a sole trader, subcontractor or running a growing electrical business, your work comes with unique risks.
From working in residential homes and commercial sites to installing switchboards, wiring new builds or maintaining complex systems, even a minor incident can lead to property damage, injury claims or costly downtime.
Insurance for electricians isn’t one-size-fits-all. The type and level of cover that may be appropriate depends on the work you undertake, the contracts you operate under and the risks your business is exposed to.
Our team at Aviso WA can help you understand your options and arrange cover aligned to the way your electrical business operates.
Electrical work carries inherent risks, including:
Many worksites and contractors require proof of insurance before work begins. Having appropriate cover in place can also assist in managing financial exposure if a claim arises.
Insurance may be relevant for:
If you operate independently, certain insurances may be required under contracts, licensing conditions or site access requirements.
This cover may respond if your business is found legally liable for injury to a third party or damage to third-party property, including claims arising from work you have completed.
Public liability insurance is commonly required to secure contracts or access worksites.
May assist with repair or replacement of insured tools and specialised electrical equipment following events such as theft or accidental damage, subject to policy conditions.
Electrical tools and testing equipment can represent a significant investment, particularly when transported between sites.
For vehicles used in your electrical business, including:
> Utes and vans
> Service vehicles
> Trailers
Different levels of cover may be available depending on usage and vehicle type. Not all claims for commercial vehicles are covered, please check your policy wording.
Depending on your business structure and contractual obligations, you may also want to consider:
> Professional indemnity
(if you provide design input or technical advice)
> Property insurance
> Business interruption
> Machinery breakdown
> Theft
> Tax investigation
Policies vary based on your individual circumstances. Always refer to the relevant Product Disclosure Statement (PDS) and policy wording for full terms, conditions and exclusions. Not all covers are suitable for every business, and availability may depend on other selected covers.
We’ll simplify the process, giving you the peace of mind that comes with knowing you’re adequately protected.
Why do clients or builders ask for proof of insurance?
It is common for builders, project managers or commercial clients to request Certificates of Currency before work begins to confirm certain insurances are in place.
What affects the cost of electrician insurance?
Premiums can be influenced by factors such as:
• The type of electrical work performed
• Revenue and business size
• Selected covers and limits
• Claims history
When might professional indemnity be relevant?
If you provide design input, technical specifications or consultancy services as part of your electrical work, professional indemnity insurance may be worth discussing, as it is intended to respond to claims involving alleged errors or omissions.
How Aviso WA can support your electrical business
Insurance policy structures, definitions and exclusions vary between insurers.
Our role is to help you:
• Understand how different cover options align to your electrical work
• Identify common risk exposures based on your contracts and work environments
• Compare available policy structures and explain key differences
• Arrange insurance that meets contractual and site access requirements
• Assist with insurer communication and claims management if a claim occurs
You’ll work with a local team who understands both insurance and the practical realities of running a trade business in Western Australia.
