A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
Tool Theft
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCEANRIO
You park your securely locked van at home after a job. Overnight thieves force the rear door lock and steal your test meters and power tools. You lodge a police report and need to replace tools quickly to keep working.
WHY IT'S COVERED
Tools of Trade can cover theft following forcible entry to a securely locked vehicle or building, within policy limits.
Tool Theft
SCEANRIO
A client supplies designer pendant lights for you to install. You store the boxed fittings overnight in your locked workshop. A burst pipe leaks onto the cartons, damaging the lights. The client asks you to pay to replace them.
WHY IT'S COVERED
Cover can extend to damage to property you do not own but that is in your physical or legal control, up to the sub-limit.
Property in Your Care
SCEANRIO
During a switchboard upgrade, you run an extension lead across a hallway. A visitor trips, falls and fractures their wrist. They face medical bills and time off work, then allege negligence and seek compensation from you.
WHY IT'S COVERED
Insurance for Electricians may cover compensation you're legally liable to pay for personal injury from an accidental occurrence during work.
Injury to Others
SCEANRIO
While installing new downlights in a kitchen, you drill into a concealed water pipe. Water floods the cabinetry and timber floor. The homeowner pays for emergency drying and repairs, then claims those costs from your business.
WHY IT'S COVERED
Public liability insurance for Electricians can cover compensation you're legally liable to pay for accidental third party property damage.
Client Property Damage
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
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Do electricians need public liability insurance in Australia?
Public liability insurance is not legally required for every electrician in every situation, but it is commonly required by the people you work with. For example, a builder, strata manager, landlord, council, or commercial client may ask for a Certificate of Currency before you can start work.
Do electricians need public liability insurance in Australia?
Public liability insurance is not legally required for every electrician in every situation, but it is commonly required by the people you work with. For example, a builder, strata manager, landlord, council, or commercial client may ask for a Certificate of Currency before you can start work.
It depends on the meaning of “defect”, because insurers often treat these situations differently. If faulty electrical work causes third party property damage or injury and you are found legally liable, public liability can be the type of cover that may respond, subject to the policy terms. For example, a wiring fault causes a fire that damages a client’s kitchen, and the claim is about the damage to the client’s property.
It depends on the meaning of “defect”, because insurers often treat these situations differently. If faulty electrical work causes third party property damage or injury and you are found legally liable, public liability can be the type of cover that may respond, subject to the policy terms. For example, a wiring fault causes a fire that damages a client’s kitchen, and the claim is about the damage to the client’s property.
What is recommended depends on the type of work you do, who you work for, and what your contracts require. Many electricians consider public liability for third party injury or property damage claims connected to their work, and product liability if they supply products as part of a job, such as switchboards or fittings.
What is recommended depends on the type of work you do, who you work for, and what your contracts require. Many electricians consider public liability for third party injury or property damage claims connected to their work, and product liability if they supply products as part of a job, such as switchboards or fittings.
Electrician insurance” is a plain-English way of describing a set of business insurance covers that are commonly arranged for electrical contractors. It often includes: Legal Liability which is Public and Products Liability & Tools of Trade (if selected).
Electrician insurance” is a plain-English way of describing a set of business insurance covers that are commonly arranged for electrical contractors. It often includes: Legal Liability which is Public and Products Liability & Tools of Trade (if selected).
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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.
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