Do Marine Electricians Need Special Insurance?

Yes, marine electricians absolutely need specialised insurance.

Working on or around boats, marinas, and shipyards comes with risks that aren’t covered under standard Public Liability policies. Many general liability insurers specifically exclude marine-related activities, meaning that if you cause damage to a vessel or injury to someone while working on the water, your normal business policy may not respond.

That’s where Marine Liability Insurance comes in. It’s designed specifically for electricians and other contractors who work within the marine environment.

What Does Marine Liability Insurance Cover for Marine Electrical Work?

Marine Liability Insurance provides cover for claims that arise from your work as a marine electrician, whether you’re installing navigation systems, repairing wiring, or maintaining electrical components on a vessel or in a marina.

It can include protection for:

• Public Liability: Covers injury to third parties or damage to their property while carrying out electrical work.

• Damage to Vessels or Marinas: If your work accidentally damages a client’s boat, its electrical systems, or marina infrastructure.

• Faulty Work Claims: Covers your liability if an electrical fault causes further loss or damage after completion of your job.

• Products Liability: If the electrical parts or components you install later cause an incident.

• Legal Defence Costs: Covers the cost of defending a claim or investigation arising from your work.

Marine Liability Insurance gives marine electricians peace of mind that they’re covered for the unique risks that come with working in or around the water.

Does Public Liability Insurance Cover Electrical Work on Boats?

In most cases, no.

A typical Public Liability policy often includes marine exclusions. That means if you carry out electrical work on a vessel, in a marina, or anywhere connected to marine operations, your claim could be rejected.

Marine Liability Insurance bridges this gap ensuring you’re covered for both land and water-based work. This is especially important if you work across different environments, such as:

• Boatyards and shipyards

• Marinas and slipways

• Onboard vessels (private or commercial)

• Dockside or floating pontoons

Having the correct policy in place also helps you meet marina or contractor requirements, as many sites require proof of marine-specific liability cover before you can start work.

How Morgan Insurance Brokers Help Marine Electricians Get the Right Cover

At Morgan Insurance Brokers, we specialise in Marine Liability Insurance for trades working on or around the water, including electricians.

Here’s how we can help:

• Tailored Cover: We assess the nature of your work and recommend policies that include all relevant marine activities.

• Access to Specialist Insurers: We work with leading Australian marine insurers who understand the industry and offer suitable protection.

• Compliance Assistance: We help ensure your insurance meets the requirements of marinas, ports, and contractors.

• Claims Support: If something goes wrong, we’ll manage and advocate for your claim from start to finish.

With our expertise, you can focus on your work, while we make sure you’re fully protected.

Get a Quote for Marine Liability Insurance

If you’re a marine electrician working in Australia, having the right Marine Liability Insurance is essential to protect your business.

Contact Morgan Insurance Brokers today for personalised advice and a competitive quote.

Get a Quote