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    ELECTRICIANS INSURANCE

    OUR EXPERIENCE WITH ELECTRICIANS

    Atlantic have been looking after the Insurance needs of Electricians for over 25 years.

    Electricians have unique insurance needs particularly in Queensland where Electricians require an endorsement on their Public Liability Cover for “Consumer Protection” to meet the requirements of the Electrical Safety Act. Without a compliant Insurance Policy, Electricians in Queensland will be unable to apply for or renew their Electricians Licence.

    Atlantic appreciate that the activities of Electricians can vary greatly and will depend on both the types of site you are working on (Residential / Commercial / Industrial) and any specialist industries you focus on. (EG Air Conditioning). Likewise, the Insurance requirements of Electricians will be unique to your Business and consideration needs to be given to the covers and limits required.

    Our experienced Client Managers will complete a detailed risk analysis to understand your Business before providing any recommendations for cover.

    ATLANTIC ELECTRICIANS INSURANCE SERVICES & ADVANTAGES

    • Premiums from $480 per year* (*premium subject to change based on occupation, turnover and underwriting information)
    • Interest-free monthly premiums available
    • No paperwork to complete
    • Access to a wide range of products and insurers for all classes
    • Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
    • Electricians Consumer Protection Endorsement included where required

    ELECTRICIANS COVERAGE CONSIDERATIONS

    In addition to Public Liability (including Consumer Protection in Queensland) there are a number of other insurances that an Electricians Business would typically consider. This may include Professional Indemnity Cover if providing design and advice services, Motor Fleet, Tools and Goods in Transit Insurance if you are responsible to install appliances on behalf of your customers. Click below to find out more information on some of the common policies that we discuss with Electrician Clients.

    Income Protection
    Insurance

    Income Protection
    Insurance

    Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.

    Workers Compensation
    Insurance

    Workers Compensation
    Insurance

    Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.

    Goods In Transit
    Insurance

    Goods In Transit
    Insurance

    If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.

    Management
    Liability Insurance

    Management
    Liability Insurance

    We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.

    Construction Insurance

    Construction Insurance

    With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.

    Plant &
    Machinery

    Plant &
    Machinery

    Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.

    Commercial Motor
    Insurance

    Commercial Motor
    Insurance

    We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.

    Business / Factory
    Insurance

    Business / Factory
    Insurance

    If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.

    Tax Audit
    Insurance

    Tax Audit
    Insurance

    The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.

    Injury & Illness
    Insurance

    Injury & Illness
    Insurance

    If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.

    Tools
    Insurance

    Tools
    Insurance

    If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.

    ELECTRICIANS RISK – OUR OBSERVATIONS

    Whilst most Electricians understand the need for Public Liability Insurance what is often misunderstood is the exposure relating to Professional Indemnity claims. If your business provides design services or advice to your customers you may require a higher level of protection than a Public Liability Policy. Atlantic Insurance can assist you in obtaining options to cover your exposure where a claim may be bought against you for claims of negligent professional advice or service.

    CURRENT CLAIMS LANDSCAPE

    Whilst the risk of Damage to Property is significant whilst undertaking Electrician activities as work completed incorrectly has the potential to lead to Fires it is the risk of Personal Injury where a Public Liability claim may escalate very quickly. A Public Liability Policy is designed to cover Property Damage and Bodily Injury following negligence and should a Third Party be shocked or electrocuted following faulty work, Electricians have an obvious exposure. A good Public and Products Liability Policy can provide coverage for both damages awarded following a significant event as well the costs to defend yourself in Court.

    It is not only Public Liability where we are seeing high frequency of claims, Electricians often carry a large amount of high valued, specialist tools and equipment which can be stolen whilst working away from your premises. Atlantic can discuss options to protect your Tools for loss or damage when you are on site.

    OUR EXPERIENCE WITH ELECTRICIANS

    Atlantic have been looking after the Insurance needs of Electricians for over 25 years.

    Electricians have unique insurance needs particularly in Queensland where Electricians require an endorsement on their Public Liability Cover for “Consumer Protection” to meet the requirements of the Electrical Safety Act. Without a compliant Insurance Policy, Electricians in Queensland will be unable to apply for or renew their Electricians Licence.

    Atlantic appreciate that the activities of Electricians can vary greatly and will depend on both the types of site you are working on (Residential / Commercial / Industrial) and any specialist industries you focus on. (EG Air Conditioning). Likewise, the Insurance requirements of Electricians will be unique to your Business and consideration needs to be given to the covers and limits required.

    Our experienced Client Managers will complete a detailed risk analysis to understand your Business before providing any recommendations for cover.

    ATLANTIC ELECTRICIANS INSURANCE SERVICES & ADVANTAGES

    • Premiums from $480 per year* (*premium subject to change based on occupation, turnover and underwriting information)
    • Interest-free monthly premiums available
    • No paperwork to complete
    • Access to a wide range of products and insurers for all classes
    • Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
    • Electricians Consumer Protection Endorsement included where required

    ELECTRICIANS COVERAGE CONSIDERATIONS

    In addition to Public Liability (including Consumer Protection in Queensland) there are a number of other insurances that an Electricians Business would typically consider. This may include Professional Indemnity Cover if providing design and advice services, Motor Fleet, Tools and Goods in Transit Insurance if you are responsible to install appliances on behalf of your customers. Click below to find out more information on some of the common policies that we discuss with Electrician Clients.

    Income Protection
    Insurance

    Income Protection
    Insurance

    Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.

    Workers Compensation
    Insurance

    Workers Compensation
    Insurance

    Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.

    Goods In Transit
    Insurance

    Goods In Transit
    Insurance

    If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.

    Management
    Liability Insurance

    Management
    Liability Insurance

    We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.

    Construction Insurance

    Construction Insurance

    With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.

    Plant &
    Machinery

    Plant &
    Machinery

    Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.

    Commercial Motor
    Insurance

    Commercial Motor
    Insurance

    We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.

    Business / Factory
    Insurance

    Business / Factory
    Insurance

    If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.

    Tax Audit
    Insurance

    Tax Audit
    Insurance

    The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.

    Injury & Illness
    Insurance

    Injury & Illness
    Insurance

    If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.

    Tools
    Insurance

    Tools
    Insurance

    If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.

    ELECTRICIANS RISK – OUR OBSERVATIONS

    Whilst most Electricians understand the need for Public Liability Insurance what is often misunderstood is the exposure relating to Professional Indemnity claims. If your business provides design services or advice to your customers you may require a higher level of protection than a Public Liability Policy. Atlantic Insurance can assist you in obtaining options to cover your exposure where a claim may be bought against you for claims of negligent professional advice or service.

    CURRENT CLAIMS LANDSCAPE

    Whilst the risk of Damage to Property is significant whilst undertaking Electrician activities as work completed incorrectly has the potential to lead to Fires it is the risk of Personal Injury where a Public Liability claim may escalate very quickly. A Public Liability Policy is designed to cover Property Damage and Bodily Injury following negligence and should a Third Party be shocked or electrocuted following faulty work, Electricians have an obvious exposure. A good Public and Products Liability Policy can provide coverage for both damages awarded following a significant event as well the costs to defend yourself in Court.

    It is not only Public Liability where we are seeing high frequency of claims, Electricians often carry a large amount of high valued, specialist tools and equipment which can be stolen whilst working away from your premises. Atlantic can discuss options to protect your Tools for loss or damage when you are on site.

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