What insurances should an electrical subcontractor have?
Last reviewed July 5, 2026
An electrical subcontractor should have public liability insurance, professional indemnity insurance, and workers' compensation insurance. These cover damage claims, errors in work, and employee injuries, respectively.
Key points
- Public liability covers third-party claims.
- Professional indemnity protects against work errors.
- Workers' compensation is for employee injuries.
Having the right insurance is essential to protect the subcontractor and the principal contractor. Check with local regulations and ensure all policies are current and adequate for the scope of work. It's also good to review these insurances regularly to keep up with changes in the project or workforce.
How Alloovium helps
Alloovium can help track compliance with insurance requirements and deadlines.
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General information for Australian construction professionals — not legal advice. Verify jurisdiction-specific requirements with the relevant regulator.