Running your own electrical business as a sole trader? Then you know the highs: independence, flexibility, and control. But you also wear every hat — installer, bookkeeper, vehicle manager, and claims handler. That’s why insurance to protect your livelihood is a must.
If you’re doing electrical work in Australia (especially in Queensland) you’ll face compliance requirements that go beyond good practice — they’re law. You’re required to hold certain cover, often including public liability cover.
At Atlantic Insurance, we help self-employed electricians like you build a policy that’s designed to protect every angle of your business — from accidents and tool theft to claims of negligence and non-compliance.
Why Every Electrical Contractor Needs Insurance
It doesn’t matter if you’re just starting or have years on the tools — if you’re working without adequate insurance, you’re leaving your business exposed.
Business insurance for electricians protects against:
- Damage to client property
- Claims of negligence
- Theft of portable equipment
- Vehicle accidents on the job
- Medical bills from personal injury or illness
Some states and territories of Australia require a valid certificate of currency before you can even be booked for a job, especially for subcontractors.
Key Insurance Policies for Sole Trader Electricians
Let’s break down the types of cover you should consider.
1. Public Liability Insurance (Mandatory)
Public liability insurance protects you if your work causes injury or results in property damage. If a third party is injured or something goes wrong due to your installation, you could face a serious claim — one that your business can’t afford.
A strong public liability policy includes:
- Third-party injury cover
- Legal expenses
- Cover for damage to third party property
You’ll receive a certificate of insurance and certificate of currency for licensing bodies and commercial clients. It’s non-negotiable in some states.
Atlantic also helps you understand the cost of public liability insurance across different coverage levels, so you’re never paying for what you don’t need.
2. Tool & Portable Equipment Insurance
Your tools = your income. Whether you work from a van or truck or secure your tools on-site, theft and damage can set you back thousands. Our insurance options can include:
- Theft from vehicles or job sites
- Fire or accidental damage
- Cover for plant and equipment like ladders, power tools, and cable testers
You can also add tool insurance to a broader insurance package, so all your equipment is accounted for.
3. Personal Accident & Illness Insurance
What happens if you’re off work for 5 weeks after a fall? No work means no pay.
Personal accident insurance replaces lost income if you suffer a job-related or unrelated injury. It’s an essential add-on for self-employed electricians and covers:
- Loss of income whilst you are unable to work
- Rehab and medical treatment
- Bill and rent payments
Make sure your policy aligns with the type of cover that best fits your trade and risk profile.
4. Professional Indemnity Insurance
If your business activities include certifying work, issuing safety compliance, or providing advice, you may need professional indemnity insurance.
This covers:
- Financial loss from your professional services
- Claims of negligence or incorrect advice
- Defence costs and compensation following negligent advice
It’s particularly useful if you’re supervising teams or offering compliance reports.
5. Commercial Vehicle Insurance for Vans and Utes
Using your van or truck for jobs? A standard car policy won’t cut it.
Our commercial vehicle policy protects against:
- Accidents during work use
- Theft or fire
- Cover for hire cars if this option is selected
It also helps you cover any claim that happens while on the job — and ensures your vehicle is properly insured for business use.
What Makes a Good Insurance Policy?
Not all cover is created equal. A tailored insurance policy for electricians should:
- Meet state requirements
- Be built for electrical contracting — not just general trades
- Scale as your business increases
- Offer a realistic range of insurance options
- Be explained in clear terms with support if needed
At Atlantic Insurance, our specialists can assist in reviewing your insurance needs, so you’re not stuck with fine print that doesn’t serve your business.
Why Atlantic Insurance?
As an experienced insurance broker, Atlantic works with trades and small businesses. We understand licensing requirements, quoting timeframes, and the real risks electricians face daily.
With us, you get:
- A Straightforward quote on your insurance
- Help understanding what is and is not covered
- Easy access to policy documents and renewals
- Real people who know how to protect your business
Whether you’re quoting a job or navigating a claim, you’re not alone. You’re a sole trader — but you don’t have to go solo.
Get a tailored quote today. Atlantic Insurance offers electrician insurance that’s designed to protect every electrical contractor — tools, trucks, and all.
Any information contained on this page of the website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice and the relevant Product Disclosure Statement (‘PDS’), Target Market Determination (‘TMD’) and Financial Services Guide (‘FSG’), which will be provided following any formal recommendation to you.