Most electricians don’t go broke because they’re badtradies. They go broke because one job goes sideways, one claim lands, and onepolicy doesn’t respond. This whitepaper walks through real-world claimscenarios Australian electricians face every year — and how the wrong insurancestructure can cost you everything.

Claim 1: The Switchboard Fire

A commercial switchboard upgrade later caused a fireimpacting multiple tenants. The claim exceeded the electrician’s policy limit, leaving a personalshortfall. Underinsured public liability remains one of the fastest ways electricians lose theirbusiness.

Claim 2: The Solar Install Fire

A residential solar install later caused a roof-space fire.While property damage was insured, allegations of design and advice failure triggered uninsuredlegal costs. Public Liability alone does not cover professional advice or specification errors.

Claim 3: The Electric Shock Lawsuit

An exposed temporary power source injured a third-partyworker. Multiple contractors were sued. Even disputed liability resulted in years of legaldefence costs.

Claim 4: The Commercial Power Outage

Maintenance work triggered a power outage affecting multiplebusinesses. Financial loss claims followed. Most standard policies exclude pure financial lossunless specifically extended.

Claim 5: The Untested RCD

A compliance certificate was issued without proper testing.A later injury triggered regulatory action, a claim, and policy non-renewal. Insuranceconsequences often follow electricians for years after compliance-related claims.

What This Means for Electricians

Most electricians aren’t uninsured — they’re incorrectlyinsured. Limits are too low, covers are missing, and exclusions are misunderstood until it’s toolate.

How EasiCover Helps

EasiCover helps electricians understand insurer options,identify coverage gaps, and structure insurance that matches real-world risk —before a claim tests it.