Electrician Insurance
Insurance built around the way electricians actually carry risk.
We understand how electricians work across residential and commercial projects.
Electrical Expertise
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Decades of insurance expertise in the construction and trade sector.
35+ Years
Experience
Local claims advocacy and guidance when you need it most.
Claims
Support
Insurance programs built around your trade, projects, tools, equipment, and business.
Tailored
Cover
As an electrician, you carry risk across every stage of the job, from installation and repairs to maintenance and testing. A single incident can cause property damage, interrupt a client's operations, or leave you facing a costly claim. From electrical faults and site accidents to damaged equipment and defective workmanship, the right insurance program helps protect your business when things don't go to plan.
Ferguson Brown specialises in the construction, property and development sectors, so we understand how electrical risks can change from one project to the next. Whether you work on residential properties, commercial projects, industrial sites or as a subcontractor, we can help structure cover around the work you actually do.
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Electrical incidents
THE RISKS ELECTRICIANS FACE EVERYDAY:
Tools theft or loss
Property damage
Defective work
Electrical faults, installation errors or accidental contact can cause property damage, injury or costly claims.
Injuries to workers, subcontractors or visitors around your worksite can create significant claims.
Accidental damage to a client's property, wiring or existing structures can lead to expensive repair costs.
Incorrect installation, faulty components or workmanship issues can result in rectification costs and disputes.
Electrical tools, testing equipment and other essential equipment can be stolen, damaged or lost between jobs.
Site accidents
INSURANCE AND LICENSING CONSIDERATIONS FOR ELECTRICIANS:
1. Electrical Licence
Electrical licensing requirements vary by state and territory and depend on the type of electrical work you undertake.
2. Home Building Compensation
Home building compensation requirements vary by state and territory and may apply to eligible residential building work.
3. Workers' Compensation
Workers' compensation requirements vary by state and territory and may apply if you employ workers.
INSURANCE OPTIONS FOR ELECTRICIANS:
Contract
Works
Protects the works under construction, materials, and other items on site against damage, theft, fire and other insured events.
Workers
Compensation
For businesses with employees, workers' compensation helps provide protection when a worker is injured or becomes ill in connection with their employment.
Professional
Indemnity
Covers claims arising from development management decisions or advice given to purchasers, financiers or joint venture partners.
Public & Products Liability
For third-party injury or property damage arising from the site, sales suite or display homes, usually required by councils and financiers.
Home Building Compensation
Required wherever residential building work over $20,000 is being carried out under contract, before any money, including a deposit, is taken.
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Motor
Vehicle
Protects work vehicles used to transport tools, equipment and materials, with cover structured around how your vehicles are used.
Plant &
Equipment
Helps protect larger equipment and machinery used in your electrical operations against insured loss or damage.
Tools &
Equipment
Your electrical tools and testing equipment are essential to getting the job done. Cover can help protect against theft, loss or damage to equipment you rely on every day.
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