Electricians Insurance

Electricians Insurance from PSC Direct: electricians insurance advice and quotes at your fingertips.

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The Electrical Services industry is one of Australia’s largest special construction industries, contributing $20bn in revenue to the economy annually. Over 85,000 people are employed in the industry, working in 35,000 businesses, which specialise in the installation and maintenance of electrical circuitry on buildings and industrial equipment, as well as installing electric lights and other power facilities.

Over the past five years, the industry has faced challenging conditions across most markets, primarily due to a decline in demand for the housing and commercial building markets. Lack of work however, is not the only risk facing Electricians today. Given the nature of the work, there are certain circumstances that leave Electricians exposed.

What is Electricians Insurance?

Electricians Insurance is a specialist insurance policy curated to address the specific risks that Electricians are exposed to in their line of work.

Electricians Insurance can help your business survive the unexpected, with minimum losses.


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What are the Specific Risks Faced By Electricians?

Electricians face a significant number of risks on a daily basis. As an Electrician, it’s extremely important that you think through the hazards you may be exposed to and consider the controls you need to put in place to minimise your risk.

While every business is different, there are certain hazards that are more likely to occur in the electrical industry, for example:

  • Electricians often have to work at height, which can result in severe, possibly fatal, injuries if they fall, which could result in a lengthy absence from work and loss of income.
  • Electrical work often involves a certain amount of manual handling, which can result in back pain or injury. If an employee sustains such an injury as a result of their work, you may be held liable.
  • Working with electricity greatly increases the possibility of electric shock, burns, or injuries as a result of faulty electrical equipment or installation.
  • If an Electrician makes a mistake with wiring, they can inadvertently start a fire, which can cause property damage on the premises they are working on. The Electrician is likely to be responsible to cover the cost of the repairs.
  • If an Electrician makes a mistake with wiring, they can inadvertently start a fire, which can cause property damage on the premises they are working on. The Electrician is likely to be responsible to cover the cost of the repairs.
  • In some cases, electrical contractors may be exposed to asbestos fibres, risking serious injury and ongoing disease if the fibres are released and inhaled.

What Are the Key Elements of a Business Pack Insurance Policy?

The most appropriate cover for your business will depend on your individual circumstances, such as the type of work you do, whether you employ staff and how much you work with the general public.

Choosing the right cover for your business can be confusing. The brokers at PSC Direct are best placed to asses your situation and recommend the right cover, which may include:

  • Public & Products Liability Insurance: Public Liability Insurance protects businesses against the financial risk of causing damage to a 3rd party’s property, or causing them bodily harm.
  • Income Protection Insurance: Income protection for Electricians protects against the financial risk of losing income as a result of not being able to work.
  • Tool Insurance: Covering the replacement cost of your tools if they are lost, stolen or damaged.
  • Business Car Insurance: Covers you for loss, damage or theft of your business vehicles.
  • Professional Indemnity Insurance: Protect professionals against legal costs and claims for damages to third parties, which may arise out of an act, omission or breach of professional duty in the course of their business.

Who Needs Electricians Insurance?

Electricians may be involved with either construction or maintenance of electrical wiring and systems in residential, commercial or municipal environments.

Different types of electricians may perform different tasks. Whether you’re an inside wiremen, outside linemen, residential wiremen or an installer technician, it’s important to you have appropriate cover in place to protect yourself, your business and your clients in the event that something goes wrong.

How PSC Direct Works for You

The team at PSC Direct comprises specialist business insurance brokers, experienced in sourcing insurance for Australian SMEs. We care about the clients we service and want to fully protect their businesses. That’s why we treat each and every one as an inividual entity, considering their unique requirements to source the most appropriate cover that will offer the upmost business protection.

PSC Direct Insurance Brokers use online systems to review your business. We draw on our experience with thousands of similar businesses across Australia to match your needs to our database of indexed insurance policies. In order to ensure you have the most appropriate cover, our insurance brokers will fully review any policy before it is recommended to you.

PSC Direct is an entity of PSC Insurance Group, one of Australia’s largest private insurance broking houses. This affiliation offers us access to a range of leading insurers and underwriters as well as membership of a range of national and international insurance organisations. Part of such a wide insurance network, PSC Direct is best placed to source cost effective covers for our clients.

Protecting your business is important to us. We understand that insurance can be complicated, and we’re here to simplify it for you. We provide advice and cover to a range of businesses across Australia, in industries from Accounting to Engineering, Mining, Retail and Trucking. We know the policies necessary to fully protect your business and assets in the specific sector you operate in.

We are able to offer a range of policies from standard Public and Products Liability to more specialised covers such as Management Liability, Commercial Property, and Cyber Insurance and Tax Audit Insurance. We’re not only here to source your policy but to develop a business partnership with you. We will work with you as your business changes to offer alternative or additional insurance policies, or in the event of a claim, we’ll assist you until settlement.