Electrical Contractor Insurance Cost: $600–$2,500/Year — What You'll Actually Pay (2026)
Public liability insurance for an electrical contractor costs $600–$2,500/year for $10M cover in 2026, with sole traders at the low end and mid-size solar/electrical businesses at the high end. Professional indemnity adds $1,200–$3,000/year. Workers’ comp, if you employ anyone, adds $3–$6 per $100 of wages. A sole trader electrician doing domestic work can be fully insured for under $2,500/year. A 5-person solar and electrical business should budget $10,000–$20,000/year across all policies.
An electrical contractor insurance package is a set of policies — public liability (minimum $5M–$20M coverage depending on state licensing requirements), professional indemnity, and optional tool, vehicle, and income protection cover — that protect your licence, business assets, and personal finances when an installation causes property damage, personal injury, or financial loss. Home warranty insurance (domestic building insurance) is a separate statutory requirement in most states for residential work above contract value thresholds.
Whether you’re a sole trader sparky doing domestic work in Sydney, a mid-size solar installer in Brisbane, or a commercial electrical contractor in Perth, your insurance costs depend on turnover, work type, claims history, and which state licences you. This guide gives you the actual numbers, state-by-state requirements, and the traps that turn small claims into uninsured losses.
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Insurance Costs at a Glance: What You’ll Actually Pay
| Insurance Type | Annual Cost Range (2026) | Who Needs It | Coverage Typical Limit |
|---|---|---|---|
| Public Liability | $600–$2,500 | Every electrical contractor (licence requirement) | $5M–$20M |
| Professional Indemnity | $1,200–$3,000 | Contractors providing design, solar sizing, or advice | $1M–$5M |
| Workers Compensation | $3–$6 per $100 of wages | Any business with employees (mandatory) | Statutory |
| Tools & Equipment | $500–$1,500 | Anyone with trade tools and test equipment | Up to $30K |
| Income Protection | $1,500–$4,000 | Sole traders and working owners | 70–75% of income |
| Commercial Vehicle | $2,500–$5,000 | Anyone using a vehicle for business | Comprehensive |
| Home Warranty (DBI) | Varies by project value | Residential work above state thresholds | Project value |
Typical total annual insurance spend by business size:
| Business Type | Public Liability | PI | Workers Comp | Tools | Vehicle | Total |
|---|---|---|---|---|---|---|
| Sole trader (domestic only) | $600–$1,200 | $1,200–$2,000 | N/A (solo) | $500–$800 | $2,500–$4,000 | $4,800–$8,000 |
| Sole trader + solar | $900–$1,800 | $1,500–$2,500 | N/A (solo) | $700–$1,200 | $2,500–$4,000 | $5,600–$9,500 |
| 3–5 person business | $1,500–$2,500 | $2,000–$3,000 | $4,500–$9,000 | $1,000–$1,500 | $5,000–$10,000 | $14,000–$26,000 |
3 Real-World Scenarios: What Electrical Contractors Actually Pay
Scenario 1: Sole Trader Domestic Electrician — Metro Sydney
Business profile: One-person operation, 90% residential work (switchboard upgrades, rewires, GPO installs), $120K annual turnover, no employees, 5 years no claims, clean driving record.
| Policy | Annual Premium |
|---|---|
| Public liability ($10M) | $850 |
| Professional indemnity ($1M) | $1,400 |
| Tools & equipment ($15K cover) | $620 |
| Commercial vehicle (single ute) | $3,200 |
| Income protection ($6K/month) | $2,100 |
| Total | $8,170/year |
Broker notes: This profile is the lowest-risk category. Premiums are at the bottom of the range because of domestic-only scope, no employees, clean claims history, and metro location (lower theft risk than regional). Adding solar installation would push public liability to ~$1,200.
Scenario 2: 4-Person Solar & Electrical Business — Brisbane
Business profile: 1 owner + 3 employees, 60% solar/battery, 40% general electrical, $650K annual turnover, 1 minor claim 3 years ago (roof tile damage during solar install).
| Policy | Annual Premium |
|---|---|
| Public liability ($20M) | $2,400 |
| Professional indemnity ($2M) | $2,800 |
| Workers compensation (3 staff, $240K wages) | $9,600 |
| Tools & equipment ($25K cover) | $1,350 |
| Commercial vehicles (2 vans) | $8,400 |
| Total | $24,550/year |
Broker notes: The solar/battery work proportion is the primary cost driver here — insurers rate solar installation as medium-high risk due to work at heights and DC electrical fire risk. The $20M PL limit is deliberate: QLD commercial solar projects frequently sit on large commercial buildings where structural damage claims can exceed $10M. The prior roof damage claim added approximately $200/year to the PL premium but didn’t affect insurability. QBCC home warranty insurance on jobs over $3,300 adds variable project-level costs not included above.
Scenario 3: Commercial/Industrial Electrical Contractor — Perth
Business profile: 2 directors (both working) + 8 electricians, 100% commercial and industrial (no residential), $2.1M annual turnover, 10 years no claims, some remote mining camp work.
| Policy | Annual Premium |
|---|---|
| Public liability ($20M) | $2,200 |
| Professional indemnity ($5M) | $4,500 |
| Workers compensation (10 staff, $1M wages) | $42,000 |
| Tools & equipment ($40K cover) | $2,100 |
| Commercial vehicles (4 vehicles) | $19,200 |
| Total | $70,000/year |
Broker notes: The high PI cover ($5M) reflects the commercial design risk — a specification error on an industrial switchboard or motor control centre can produce claims well into seven figures. Workers’ comp is the largest line item at $42K — at $4.20 per $100 of wages, this is within the WA electrical industry average band of $3–$6. The remote mining camp work requires a specific geographic endorsement that adds ~8% to public liability and workers comp premiums. No home warranty insurance applies (no residential). Business insurance represents approximately 3.3% of turnover — in line with the industry benchmark of 2–5%.
State-by-State Minimum Insurance Requirements
Licensing bodies in every state require minimum public liability coverage. Home warranty insurance triggers at different contract values. Here’s the full matrix:
| State | Regulator | Minimum PL | Home Warranty Threshold | PI Required? | Workers Comp Authority |
|---|---|---|---|---|---|
| NSW | Fair Trading | $5M | $20,000 | Not for licence, recommended for design | icare NSW |
| VIC | Energy Safe Victoria | $5M | $16,000 | Not for licence, recommended for design | WorkSafe VIC |
| QLD | QBCC | $5M | $3,300 | Required for design/advisory contractors | WorkCover QLD |
| SA | Consumer & Business Services | $5M | N/A (different scheme) | Required for design contractors | ReturnToWork SA |
| WA | Building & Energy | $5M | N/A (different scheme) | Required for design contractors | WorkCover WA |
| TAS | WorkSafe Tasmania | $5M | Varies | Not for licence | WorkSafe Tasmania |
| NT | NT WorkSafe | $5M | N/A | Not for licence | NT WorkSafe |
| ACT | Access Canberra | $5M | N/A | Not for licence | Access Canberra |
Key takeaway: $5M public liability is the universal minimum. In practice, most brokers recommend $10M–$20M for any contractor doing commercial, solar, or battery work — the premium difference between $5M and $10M cover is typically $200–$400/year, while the exposure difference in a serious claim can be millions.
Detailed state licensing requirements:
- NSW Electrical Contractor Licence Guide 2026
- QLD Electrical Contractor Licence Guide 2026
- VIC Registered Electrical Contractor Guide 2026
- SA Electrical Contractor Licence Guide 2026
- WA Electrical Contractor Licence Guide 2026
What Affects Your Premium — The 7 Factors Insurers Actually Use
Electrical contractor insurance isn’t priced off a flat rate card. Underwriters adjust premiums against these seven factors:
1. Annual Turnover
Turnover is the primary rating factor. A sole trader turning over $100K/year pays less than a business turning over $1M/year — not because the per-dollar risk is different, but because higher revenue means more jobs, more exposure hours, and higher-value contracts. Most insurers use turnover bands: under $200K, $200K–$500K, $500K–$1M, $1M–$5M, $5M+. Each jump typically adds 15–25% to your public liability premium.
2. Work Type Mix
Insurers categorise electrical work by risk tier. Domestic maintenance (GPO replacements, light fitting installs) is the lowest tier. Switchboard upgrades and rewires sit in the middle. Solar PV installation, battery storage, and commercial/industrial work are the highest tier. A contractor who does 80% domestic maintenance pays roughly half what a contractor with 50% solar/battery work pays for the same $10M cover.
3. Claims History
A clean 5-year claims history is the expectation, not a discount. Any claim in the past 3 years — even a $3,000 roof tile repair — will increase your premium by 10–30% depending on severity, or may result in a higher excess being applied. Two or more claims in 5 years can make cover difficult to place through standard insurers, pushing you into specialist markets at 40–60% above standard rates.
4. Number of Employees and Subcontractors
More people on your payroll means more exposure hours. Insurers also look at your subcontractor ratio — businesses that subcontract more than 30% of their work face additional questions about subcontractor insurance verification. If your subcontractors don’t carry their own PL insurance, your policy picks up their exposure, and your premium reflects it.
5. Geographic Location
Regional and remote work attracts higher premiums due to increased travel risk, higher theft rates for tools and vehicles, and reduced access to emergency services after an incident. A contractor based in metro Melbourne pays less than one based in regional WA or far north QLD, all else being equal. Remote mining camp work requires specific endorsements that add 5–15% to premiums.
6. Coverage Limits
The jump from $5M to $10M public liability typically costs $200–$400/year. From $10M to $20M adds another $300–$500/year. These are small increments against large exposure increases — most broker advice is to carry at least $10M if you do any commercial or solar work.
7. Policy Structure — Packaged vs Standalone
A packaged policy (PL + PI + tools + vehicle from one insurer) typically costs 10–15% less than buying each policy separately. However, standalone policies give you the flexibility to choose the best product for each coverage type. The trade-off is cost vs fit — a packaged policy might save money but include PI wording that doesn’t fully cover solar design advice.
The Insurance Policies Every Electrical Contractor Needs
1. Public Liability Insurance — Non-Negotiable
Public liability (PL) insurance covers your legal liability for personal injury or property damage caused to a third party during the course of your electrical work.
What it covers:
- Customer property damaged during installation (roof damage during solar panel mounting, broken tiles, damaged ceiling during downlight installation)
- Personal injury to a third party on your worksite
- Damage to adjacent property (sparks from electrical work causing fire, water damage from a pipe struck during cable routing)
- Legal defence costs for covered claims
What it doesn’t cover:
- Your own tools and equipment
- Damage to the work itself (faulty workmanship is typically excluded)
- Intentional acts
- Professional negligence (that’s professional indemnity)
Recommended cover: $10M minimum for domestic electrical, $20M for commercial or solar/battery work. The premium difference is small; the exposure difference is large. Under the Home Building Act 1989 (NSW), Fair Trading requires $5M minimum — but a single serious incident on a commercial site can produce a claim exceeding $20M.
2. Professional Indemnity Insurance — Essential for Design and Solar Work
Professional indemnity (PI) insurance covers claims arising from errors in professional advice, design, or specifications — distinct from physical damage claims covered by public liability.
Why solar and commercial electrical contractors specifically need PI: Electrical contracting increasingly involves design decisions that carry financial consequences: system sizing for solar arrays, maximum demand calculations, cable selection for long runs, battery capacity recommendations, and energy savings projections. If your design is wrong — undersized solar system, incorrect switchboard specification, or misleading payback projections — the claim is professional negligence, and your public liability policy won’t respond.
What PI covers:
- Legal costs and damages from negligent design or specification
- Errors in STC lodgement documentation for solar installations
- Failure to meet professional obligations under your contract
- Misrepresentation of system performance or energy savings
Recommended cover: $1M–$2M for residential solar and electrical. $5M for commercial/industrial contractors.
Important: Many standard trade insurance packages exclude professional indemnity by default. You must specifically add it or purchase it separately. Check your current policy — if you provide written quotes, proposals, or performance guarantees, you’re exposed without PI.
3. Workers Compensation Insurance — Mandatory With Employees
If you employ anyone — full-time, part-time, casual, or apprentice — workers compensation is mandatory in every Australian state and territory. This is not optional and not replaceable with other insurance.
What it covers:
- Medical expenses for work-related injuries
- Weekly wage replacement during recovery
- Rehabilitation and return-to-work costs
- Lump-sum compensation for permanent impairment
- Death benefits to dependants
Cost: Electrical contractors pay $3–$6 per $100 of wages depending on the state and your claims history. A business paying $300,000 in annual wages should budget $9,000–$18,000 in workers’ comp premiums.
Critical: Workers compensation must be in place before your first employee’s first day — not when you “get around to it.” State penalties for trading without workers comp while employing staff can reach $55,000 in NSW under the Workers Compensation Act 1987.
4. Tools and Equipment Insurance
Covers your electrical tools, test equipment, safety gear, and materials against theft, accidental damage, and (in some policies) breakdown.
What to watch for:
- Unlocked vehicle exclusion: The single most common claim denial. Many policies require evidence of forced entry — tools stolen from an unlocked ute tray or cabin are not covered.
- Specified items: Items over $2,000–$5,000 in value (thermal imaging cameras, cable locators, commissioning kits) often need to be individually listed on the policy schedule.
- Hired equipment: If you hire scissor lifts, trenching equipment, or specialised test gear, confirm whether your policy extends to hired-in plant.
Tip: Maintain a current register with serial numbers, purchase dates, and photos. Claims are processed faster when you can document exactly what was lost.
5. Income Protection Insurance
If you’re a sole trader or working owner who relies on your labour for income, an injury or illness that stops you working is a business-ending event without income protection.
Key policy choices:
- Waiting period: 30 days (higher premium) vs 90 days (lower premium, but 3 months without income)
- Benefit period: 2 years, 5 years, or to age 65. Longer benefit periods cost more.
- Agreed value vs indemnity: Agreed value locks in your benefit at application time; indemnity assesses your income at claim time.
Tax deductibility: Income protection premiums are generally tax-deductible when held outside superannuation. Check with your accountant.
6. Commercial Vehicle Insurance
Personal vehicle policies exclude coverage for vehicles used primarily for business. You need business-class motor vehicle insurance.
For electrical contractors carrying significant material value (solar panels, inverters, copper cable, batteries), confirm your vehicle policy covers goods in transit or purchase a separate goods-in-transit policy. A ute carrying $15,000 of solar equipment that’s written off in an accident can produce a claim that your standard motor policy won’t fully cover.
Insurance Gaps That Cost Electrical Businesses Real Money
These coverage failures turn small incidents into five-figure uninsured losses:
Professional indemnity excluded from your trade package. Most standard trade insurance bundles include PL, tools, and vehicle coverage — they stop there. PI is almost never included by default. If you provide any written proposal, shade analysis, system sizing recommendation, or energy savings projection, you have PI exposure with no coverage.
Tools in an unlocked vehicle — denied. This is the single most common tools claim scenario and the most common exclusion. Read your policy wording. If it says “forcible and violent entry required,” tools taken from an unlocked ute are not covered, full stop.
Battery storage work outside declared scope. Your policy is rated on your declared work activities. If you told your insurer you do “residential electrical and solar PV” but you’re now commissioning 40kWh LFP battery systems, you have a scope problem. If a battery installation causes a fire or property damage, the insurer can deny the entire claim on the basis of non-disclosure. Declare what you actually do — including battery chemistry type if your broker asks.
No home warranty insurance for large residential jobs. In NSW ($20K+), VIC ($16K+), and QLD ($3,300+), residential electrical and solar work above these thresholds requires domestic building insurance (home warranty). It protects the homeowner if you die, become insolvent, or disappear before completing the work. Not holding it is a licensing offence and leaves you personally liable for incomplete-work claims.
Underinsured public liability for commercial work. A $5M PL limit is adequate for domestic work. A single serious incident on a commercial or industrial site — building fire, business interruption to a major tenant, or a fatality with dependants — can produce a claim exceeding $20M. Review your limit every time you take on a new class of commercial work.
How to Shop for Insurance: Brokers, Comparison Platforms, and What to Ask
Specialist Trade Insurance Brokers
A broker who works specifically with electrical and construction trades understands your risk profile and can compare policies across multiple insurers — something you can’t do efficiently on your own. Industry associations (NECA, Master Electricians Australia, Clean Energy Council) often have preferred broker arrangements with competitive member pricing.
When approaching a broker, come prepared with:
- Annual turnover split by work type (domestic electrical %, solar PV %, battery %, commercial %)
- Number of employees and total annual wages
- States where you operate
- Your most expensive single piece of equipment
- Claims history for the last 5 years
- Whether you subcontract any work and what insurance your subcontractors carry
Online Comparison Platforms
For straightforward sole trader policies, online comparison platforms can produce quotes in minutes:
- BizCover — Online comparison for trade businesses. Quotes multiple insurers (QBE, Allianz, Zurich, Vero) through a single application. Suitable for sole traders and small businesses with standard risk profiles.
- Trade Risk — Specialist trade insurance broker with online quoting. Covers electrical contractors specifically and understands trade risk profiles.
For mid-size businesses with employees, solar/battery work, or commercial contracts, a specialist broker is strongly recommended over online platforms — the policy wording differences between insurers matter more when your exposure is higher.
What to Ask Your Broker
Before binding cover, get written answers to these questions:
- “Does this PL policy cover solar PV installation and battery storage commissioning?”
- “Does the PI policy cover financial loss claims from system sizing errors or energy savings projections?”
- “What’s the excess for electrical fire claims specifically?”
- “Does the tools policy require evidence of forced entry for vehicle theft claims?”
- “What work types would void my cover if I didn’t declare them?”
Licence Renewal Insurance Checklist
Every state licensing authority requires specific insurance documentation at renewal. The minimum across all states is $5M public liability — but the home warranty and PI requirements differ.
Documentation you’ll need at renewal in every state:
- Certificate of currency (public liability) — dated within the renewal period, showing the policy number, coverage limit, and expiry date
- Workers compensation certificate (if you employ staff) — state-specific format from your state authority
- Home warranty insurance policy details (if you do residential work above state thresholds)
State-specific requirements by regulator:
- NSW Fair Trading: $5M PL minimum; home warranty for residential work over $20,000; workers comp through icare NSW
- Energy Safe Victoria: $5M PL minimum; domestic building insurance for work over $16,000; workers comp through WorkSafe VIC
- QBCC QLD: $5M PL minimum; PI required for design/advisory contractors; home warranty for work over $3,300; workers comp through WorkCover QLD; policy details must be lodged directly in QBCC’s system
- CBS SA: $5M PL minimum; PI required for design contractors; workers comp through ReturnToWork SA
- Building & Energy WA: $5M PL minimum; PI required for design/specification contractors; workers comp through WorkCover WA
Not sure if your current policy meets your state’s licence renewal requirements? Ask Tradie Brain AI free → Instant answers on insurance requirements by state for electrical contractors. No login required.
Solar Compliance + Insurance: Why They’re Connected
Your insurance coverage and your solar compliance practices are linked. The Solar Compliance Checklist for Australian Installers (2026) — covering AS/NZS 3000, AS/NZS 5033, AS/NZS 4777, and CEC installation guidelines — is your first line of defence against insurance claims. Here’s why:
- Documented compliance reduces premiums: Insurers ask about your compliance processes during underwriting. A documented compliance system (checklists, photographic records, test results filed by job) signals lower risk and can reduce your premium by 5–10%.
- Compliance records are your claim defence: If an installation is alleged to have caused damage, your compliance documentation — commissioning sheets, test results, installation photographs — is evidence that you followed Australian Standards. Without it, a claim becomes your word against the loss adjuster’s.
- Non-compliance voids cover: Most PL policies contain a compliance-with-law condition. If a claim arises from work that didn’t meet AS/NZS 3000 or the Wiring Rules, the insurer can deny the claim on the basis that the work was performed outside regulatory requirements.
What to Do When You Get a Claim — The First 24 Hours
If an incident occurs that could result in a claim, your actions in the first 24 hours determine whether your policy responds:
- Secure the site. Prevent further damage without admitting liability. Take photographs of everything — the installation, surrounding property, equipment labels, cable routes. You cannot have too many photographs.
- Don’t admit fault, don’t offer to pay. Any statement that accepts responsibility can prejudice your insurer’s position and breach your policy’s cooperation clause. Say: “I’ll notify my insurer and they’ll be in contact.”
- Notify your insurer or broker immediately. Most policies require notification “as soon as reasonably practicable.” Delay can be grounds for denial. Phone first, then follow up with an email that documents the time of your call.
- Preserve all records. Job files, correspondence with the customer (emails, texts, WhatsApp messages), commissioning sheets, test results, photographs — do not delete or alter any record related to the job.
- Do not repair the work without insurer approval. If you re-attend and modify the installation before the loss adjuster inspects it, you may have compromised the insurer’s ability to assess the claim.
FAQ
How much does public liability insurance cost for an electrical contractor in Australia?
Public liability insurance for an electrical contractor costs $600–$2,500/year for $10M cover in 2026. Sole traders doing domestic-only work pay $600–$1,200/year. Businesses with employees doing commercial, solar, or battery work pay $1,500–$2,500/year. The premium difference between $5M and $10M cover is typically $200–$400/year, making the higher limit cost-effective for most contractors.
What is the minimum public liability insurance required for electrical contractors?
$5M public liability is the universal minimum across all Australian states and territories. NSW Fair Trading, Energy Safe Victoria, QBCC, Building & Energy WA, CBS SA, and all other state regulators require evidence of current $5M public liability insurance as a condition of electrical contractor licence issuance and renewal. In practice, most insurance brokers recommend $10M minimum for domestic work and $20M for commercial or solar/battery work — the premium increment is small relative to the exposure increase.
Do I need professional indemnity insurance as an electrical contractor?
Professional indemnity is not legally required for an electrical contractor licence in NSW, VIC, TAS, NT, or ACT. It is required in QLD, SA, and WA for contractors who provide design or advisory services. Regardless of legal requirement, PI is strongly recommended for any contractor who provides electrical design, solar system sizing, energy assessments, written proposals, or performance guarantees — your public liability policy does not cover financial loss claims from professional advice errors.
Does my public liability policy cover solar installation?
Not automatically. Standard electrical contractor PL policies may exclude or restrict coverage for solar PV installation, rooftop work, and DC electrical systems. You must confirm in writing with your insurer or broker that your policy specifically covers solar PV installation and battery storage commissioning. Solar-specific PL policies typically cost 20–30% more than electrical-only policies. Undeclared solar work is one of the most common grounds for claim denial in the electrical contracting industry.
What insurance covers my tools if they’re stolen from my ute?
Tools and equipment insurance covers theft — but most policies contain an unlocked-vehicle exclusion. If your tools are stolen from an unlocked vehicle, or from a locked vehicle where forced entry cannot be evidenced, the claim may be denied. Read the specific wording: look for phrases like “forcible and violent entry” or “evidence of forced entry required.” Always lock your vehicle, and consider a secure tool storage system (lockable canopy, internal lockers) that provides a second layer of security evidence.
How much does workers compensation cost for an electrical business?
Electrical contractors pay $3–$6 per $100 of wages in workers compensation premiums, varying by state, total wages, and claims history. A business with 3 employees and $240,000 in annual wages should budget $7,200–$14,400/year. Workers comp is state-administered — you register through your state authority (icare NSW, WorkSafe VIC, WorkCover QLD, ReturnToWork SA, WorkCover WA, WorkSafe Tasmania, NT WorkSafe) before your first employee starts.
Can I compare electrical contractor insurance quotes online?
Yes. For sole traders and small electrical businesses with standard risk profiles, comparison platforms like BizCover and Trade Risk provide online quotes from multiple insurers (QBE, Allianz, Zurich, Vero, and others) within minutes. For businesses with employees, solar/battery work, commercial contracts, or previous claims, a specialist trade insurance broker is recommended — the policy wording differences between insurers become more significant at higher coverage levels and more complex risk profiles.
This article provides general information only and does not constitute insurance or financial advice. Insurance requirements are subject to legislative change — always verify current obligations with your state licensing authority and a licensed insurance broker before purchasing or renewing cover.
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