ELECTRICAL TESTING BUSINESSES
Test and Tag Insurance for Australian Contractors
Your work takes you into client premises, places electrical equipment in your care and produces records that clients rely on. B Ok helps test and tag businesses review cover around that actual scope.
Business risks
A test report can carry risk after the site visit ends
Test and tag work is often completed across many sites, with different equipment, access arrangements and record requirements. An insurance proposal needs to describe the work you actually perform, including anything beyond inspection and testing.
For sole operators and growing test and tag firms seeking a broker review of liability, professional and equipment risks.
Work at client premises
Accidental injury or property damage allegations can arise while moving through workshops, offices, construction sites or other workplaces.
Reliance on test records
A client may allege financial loss after relying on an inspection result, report or recommendation. The wording for that professional exposure deserves a separate review.
Equipment on the road
Portable appliance testers, leads, labels, laptops and tools may travel between jobs and need suitable limits and theft conditions.
Talk to a broker
Request a test and tag insurance review
Tell us what you test, where you work and whether you provide reports, advice or other electrical services. A broker can then discuss the policy areas and details needed for a quote.
Cover structure
Cover to consider for a test and tag business
The right mix depends on your services, customers, sites, staff and contracts. These are common policy areas to compare, subject to insurer acceptance, limits and exclusions.
Public liability
Review protection for covered third-party injury or property damage claims connected to your business activities at a client site or your own premises.
Professional indemnity
Consider allegations that an error in testing, reporting or professional advice caused a client financial loss. Check the declared services, retroactive date and claims-made terms.
Tools and testing equipment
Assess cover for portable testers, calibration equipment, laptops, labels and tools while at your premises, in a vehicle and away from base.
Business and vehicle cover
Office contents, cyber response and commercial vehicle cover may matter as the operation grows. We review these alongside your main liability policies.
Who it helps
Testing businesses this page is for
Broker process
How B Ok reviews your insurance
Define the work
We ask where you operate, what equipment you test, which reports you issue and whether you also repair, install or perform other electrical work.
Review requirements and assets
We examine client contract limits, site access rules, subcontracting, testing equipment values and any current policies or claims history.
Compare available terms
We explain insurer quotations, limits, excesses and important exclusions so you can choose cover that reflects your disclosed operations.
Keep browsing
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FAQs
Common questions about test and tag contractors
Does public liability cover a wrong test result?
Do not assume it does. Public liability and professional indemnity respond to different types of allegations. We review both wordings against the testing, reporting and advice your business provides.
Can insurance cover my portable appliance tester?
Portable testing equipment can be considered under tools or general property cover. Declare the replacement value, where it is used and how it is stored so the insurer can confirm the relevant terms.
What if I also repair or install electrical equipment?
Tell your broker before taking out or renewing cover. Repair, installation and other electrical work may change the occupation, insurer appetite and licensing requirements. The policy should reflect every service you perform.
Do I need insurance when clients require a certificate of currency?
Many clients ask for evidence of public liability or other cover before allowing work on site. We can review the contract limits and activity description, then help you obtain evidence for the cover actually arranged.
Can I get cover if I use subcontractors?
Possibly, but subcontracting needs to be disclosed. We review who performs the testing, contract responsibilities and the insurer requirements for subcontractor cover and records.
With B Ok, you'll be OK
Need this cover reviewed?
Tell us what your business does, what you already have in place and what contracts or assets need protecting. We'll help you compare suitable options.