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Electricians in Australia need public liability insurance as a condition of their electrical contractor licence, tools and equipment cover, and income protection. Given the high-risk nature of electrical work, adequate public liability cover (minimum $5M–$10M) is critical, as electrical faults can cause significant property damage or serious injury.
Electrical faults can cause fires, structural damage, and electrocution — claims with massive financial consequences. A faulty installation that causes a house fire years later can still be traced back to the original electrician, potentially resulting in a multi-million dollar property damage claim plus liability for consequential losses. Electricians should consider $10M–$20M public liability cover rather than the minimum, particularly if working on commercial or industrial projects.
Yes. Claims can arise from faulty electrical work long after the job was completed. This is why maintaining continuous insurance and having adequate retroactive cover is important. Some public liability policies for tradies include a 'products and completed operations' section that extends cover to claims arising from previously completed work. Confirm this is included in your policy, as it is not always standard.
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