TRADE INSURANCE FOR AUSTRALIAN AUTO ELECTRICIANS
Insurance for
Auto Electricians
Public liability, tools and commercial motor cover options for auto electricians working on vehicle, truck and machinery electrical systems across Australia. Talk to a specialist trade broker.
- Serving businesses Australia-wide
- Specialist trade insurance brokers
- We manage your claims end to end
Request a quote
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Auto electrical work carries real consequences when something goes wrong: a wiring fault, a battery or alternator issue, or damage caused while diagnosing or repairing a vehicle’s electrical systems. Whether you’re a mobile auto electrician working from a service van or running a workshop fitting out fleet vehicles, Sol Insurance Brokers can help you explore cover options that reflect the risk you actually carry.
Insurance Auto Electricians May Need
01
Public & Products Liability
Is designed to help protect you against claims for third-party injury or property damage arising from your work, including damage caused by faulty auto electrical work or a vehicle fire, subject to policy terms.
02
Professional Indemnity
Relevant where you provide auto electrical diagnostics, certification or advisory services, particularly where a misdiagnosis could result in financial loss.
03
Tools, Equipment & Plant
Cover for diagnostic scanners, test equipment, specialised tools and other business assets against risks such as theft, loss or accidental damage, subject to policy terms.
04
Commercial Motor / Fleet
Cover for utes, vans and service vehicles, including trade fit-outs and permanently attached equipment where applicable.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness, Workers Compensation, Cyber Insurance and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Risks we commonly see in auto electrician businesses
Vehicle fire or damage risks arising from faulty wiring, battery or electrical installation work
Injury risks associated with auto electrical work, workshops and interaction with other tradespeople
Subcontracting arrangements and insurance requirements imposed by fleet operators, dealerships and repairers
Theft or accidental damage to diagnostic scanners and test equipment, particularly while travelling between jobs
Damage to a customer's vehicle while carrying out diagnostic, repair or installation work
Supply and installation of auto electrical components or accessories, creating additional contractual and liability considerations
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Frequently asked questions
I'm a licensed auto electrician doing diagnostics. Do I need professional indemnity as well as public liability?
Professional indemnity may be relevant if you’re signing off on diagnostics, certification or advisory work, since it responds to a different kind of claim, one based on advice or diagnosis rather than physical damage. We can talk through whether it makes sense for your work mix.
Are my diagnostic tools covered if they're stolen from my van overnight?
Tools, equipment and plant cover can include theft and accidental damage, often including tools kept in a locked vehicle. Conditions such as security requirements may apply, so we’ll confirm the exact terms for how you store and transport your gear, subject to policy terms.
Does this cover me if I'm working as a subcontractor for a dealership or fleet operator?
Subcontracted work can generally be considered when structuring your cover. Let us know the dealership’s, fleet operator’s or repairer’s insurance requirements and we’ll help you arrange appropriate documentation where your policy responds.
What if faulty wiring work causes a fire after I've finished the job?
Public and products liability can respond to claims for property damage arising from your work, including damage that shows up after the job is finished, such as a fire caused by faulty wiring, subject to policy terms.
I supply and install auto electrical components, does that change my insurance needs?
It can. Supplying and installing auto electrical components or accessories creates additional contractual and liability considerations, including products liability exposure. Tell us what you supply and we’ll make sure it’s considered in your cover.
Is contract works cover relevant to auto electricians?
It may be relevant where you’re responsible for an installation in progress, such as a major rewiring or accessory fit-out. Contract works can protect eligible work against insured events such as theft, fire, storm and accidental damage, subject to policy terms.
Get insurance that matches how you actually work, not a generic trade template.
Tell us a bit about your business and one of our brokers will be in touch.
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