Electrical Insurance
Protect your business when things go wrong with wiring, electrical systems, equipment, or client property
Electrical work carries serious risk. A wiring fault triggers a fire. A switchboard upgrade damages a client’s appliances. A subcontractor receives an electric shock. A ceiling collapse occurs during cabling work. A commercial client alleges loss due to a power outage linked to your work.
Electrical Insurance helps protect your business when your work results in injury, fire, property damage, electrical failure, or financial loss. It can respond to legal defence costs, rectification work, investigation expenses, and contract requirements subject to policy terms.
Coverite Insurance works with electricians across Australia, from maintenance contractors to commercial project teams. We assess your licensing, scope, test-and-tag requirements, solar risk, equipment use, underground exposure, and contract obligations to ensure your cover matches the real work you perform.
Electricians working across residential, commercial, construction, and industrial sites
We support electrical contractors of all sizes from sole traders to large commercial teams. Our insurance programs reflect real electrical exposures including fire risk, accidental damage, underground services, testing requirements, and WHS compliance.
Trusted Support When It Matters Most
Electrical claims often involve fire reports, electricians’ compliance certificates, incident investigations, forensic assessments, and communication with builders and insurers. Coverite supports you through every stage gathering evidence, coordinating inspections, reviewing compliance documents, negotiating with insurers, and protecting your business through technical claims.
Why clients choose us:
- Advisers who understand electrical risk, compliance & equipment
- Support during fire, property damage & shock-related incidents
- Fast communication with assessors, builders & insurers
- Guidance on contract liability and safety documentation
- Long-term support that grows with your business
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Cover.
Tell us about your electrical work from maintenance to construction and we’ll search far and wide to find the right cover for your business.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key electrical insurance cover we help arrange
Public Liability Insurance (Electrical-Specific)
Protects your business when electrical work causes injury, fire, or property damage.
Includes cover for:
- Electrical faults causing fire or equipment damage
- Short-circuit, overload or defective installation claims
- Damage to client property during installation or repairs
- Underground cable strikes (where available)
- Injury to subcontractors or the public
- Electrical compliance and defects liability exposures
Often required by builders, commercial clients, councils, and principal contractors.
Tools, Equipment & Testing Gear Cover
Insurance for tools, instruments and electrical equipment used daily.
This includes:
- Meters, testers, analysers, lasers & fault-finding tools
- Power tools, hand tools & portable machinery
- Ladders, cable drums, crimpers & specialty equipment
- Tools stored in vans, trailers, workshops or job sites
Covers theft, accidental damage, vandalism, fire, storm, and transport damage.
Contract Works Insurance
Covers electrical works under construction — including rough-ins, fit-offs, commercial installations, and large-scale cabling projects.
Especially important for:
- New builds
- Commercial projects
- Industrial installations
- High-rise construction
- Renovation and upgrade works
Responds to accidental damage, weather events, site incidents, and incomplete works.