Do you have a generic insurance policy? Compare NECAGuard insurance today!
NECA understands that electricians have multiple facets to their business, which may not be covered under a generic "Electrician" policy description. That's why you need to be asked the right questions specific to your business needs before taking out insurance.
Failing to disclose all of your business activities, such as electrical installation, data and telecommunications cabling, or consumer protection and having them listed on your policy may deny a future claim.
Whether you need protection from property damage and theft to public liability and professional indemnity, NECAGuard has the right policy for your business.
Here are the top 5 NECA exclusive Member-only Insurance Covers:
1. Combined liability
This policy combines Public Liability and Professional Indemnity to provide comprehensive coverage for a wide range of activities tailored to meet the specific needs of your business - offering a consolidated solution for all lines of business within one policy.
2. NECAGuard Essentials
NECAGuard’s new insurance offering the “essentials”, provides cover for sole and small traders, which covers more business activities than what is usually available from direct online insurers.
3. Cover for Working at Mine Sites
This is not covered by default by most insurers – so don’t assume if you haven’t been asked the question that you are covered. The NECAGuard team can often add cover for work at mines to the NECA Combined Liability policy.
4. NSW Builders Home Warranty
The Builder’s policy is a compulsory cover taken out by builders for residential projects over $20,000 which covers the subcontractors. However, if you are directly contracting from the property owner, they will be required to take out the policy.
5. Power Pole Construction & Maintenance (including ASP Level 1 and High Voltage Works)
NECAGuard now provides public liability for those providing visual inspection of power poles as part of its NECAGuard Essentials program. This is non snon-standard for an electrician and is a different insurance classification. Few insurers in Australia cover this work. To be covered your Public Liability policy should specifically state you do this work as part of the business description. If not ask your insurer as you may not be covered. Fortunately our , our NECAGuard Combined Liability can cover Power Pole Construction and other High Voltage work, providing you are an established company with experience in this field.
Insist on NECAGuard
Do you know what you are really covered for? Ask your broker for a review of your policy with NECAGuard and make sure your business is protected with the right cover if things go wrong.
Over 500 NECA members choose to insure their business through NECAGuard, an insurance offering that has been designed specifically for electrical contractors.
