Electricians Insurance

Electrician’s jobs can take you to lots of places including private houses and business sites. Being on someone else’s property means public liability insurance for electricians or a self-employed electricians should be highly considered.

Accidents happen and electrician’s public liability protects you against claims lodged against you by a third party, a customer, the general public, your contractors and suppliers. It includes cover for third party personal injury, property damage and legal expenses in defending a claim.

imar electricians public liability insurance offers a choice of indemnity options for 5, 10 or 20 million dollars.

In line with Section 51 of the Electrical Safety Regulation 2013, imar’s policy can include the mandatory $50,000 Consumer Protection Warranty required by Licensed Electrical Contractors.

If your tools are stolen, you can’t do your job and the cost of replacing your tools can be expensive, so tool insurance for electricians should be highly considered. Quality insulated pliers, wire strippers, trusty screwdrivers and hacksaws are only a few of the tools that need to be insured in case they are damaged or stolen.

imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business. Portable electronic goods like mobile phones are covered under tool insurance for electricians.

Tool insurance protects your tools or stock if they are stolen or damaged.  If your tools are stolen from a locked vehicle or premises, they are covered. If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to the Product Disclosure Statement.

Our policies also include Vicarious Liability cover which means if you’re drawn into a legal action as a result of a subcontractor’s negligence, you’ll be covered.*

*Subcontractors require independent public liability insurance

While working on site or playing footy on the local oval, imar’s accident and sickness insurance (injury and illness insurance) covers you 24 /7. If you are accidently injured or suffer a covered illness and you can’t work for a temporary time.

Motor vehicles like vans and utes are essential for electricians and can be covered by imar’s commercial motor insurance comprehensive policy, and as part of your overall electricians insurance. Fully comprehensive and 3rd party policies are available.

imar will cover you for up to $10,000 of your accountant’s fees, charges, expenses which are reasonably incurred to prepare for any statutory tax audit on your behalf. Electricians may be targeted for audits, so at imar we want to minimise your risk.

As an electricians, contract works insurance might be required to cover damage to the work you are doing while under construction from occurrences such as flood, storm, theft of materials and fire. This might require an additional policy and our friendly team can advise you further.

If building materials or other goods are damaged while they’re under your control and being transported, imar has you covered. Your cover automatically includes $5,000 cover for Goods in your Physical Legal Control during transit – its added peace of mind for you and your clients.

If your work is found to be faulty and results in 3rd party property damage, imar has you covered.