Our electrician business insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. If you’re an insured electrician, you can be protected from financial losses related to:
Damage to someone’s property
You accidentally cause damage to an expensive painting while running conduit through a wall. The
general liability coverage in your insurance package could help pay to repair the damage.**
Accidents that hurt someone
A client doesn’t see your pile of wires and falls over, hurting an ankle. Your
general liability insurance could also come into play here by helping to pay for medical costs and legal fees if you go to court.
Professional mistakes
A property manager accuses you of damaging the main circuit breaker.
E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
Workplace injuries
You accidentally touch energized electrical wiring and burn your hand.
Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.
Injuries and damage involving your business vehicles
You drive over a huge pothole on the way to a job site and destroy both front rims.
Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.
Theft or damage to your tools
You left your van full of supplies at a work site and someone broke into it. You can choose to add
tools and equipment insurance to your general liability coverage to help pay for replacement costs.
Damage to your own property
A plumbing issue causes water damage in your office space.
Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.
