Why Electrician Liability Insurance Is Important
Working on electrical systems, whether in a home or at a business, can be dangerous. Self-employed electricians or electrical contractors deal with unique risks because they handle:
- Live wires
- Active Circuits
- Specialized equipment
This is on top of common risks that most business owners face, like property damage or bodily injury. That’s why business insuranceis important to have.
What Insurance Coverages Do Electrical Contractors Need?
- General liability insurance
- Workers’ compensation insurance
- Business income insurance
- Hired & non-owned auto insurance
What Insurance Does an Electrical Contractor Need?
Many electricians and electrical contractors start with a Business Owner’s Policy (BOP). This combines three types of insurance coverage that many small businesses need to help protect them from different risks.
General liability insurance, or electrician liability insurance, helps cover claims that your electrician business caused bodily injury or property damage to someone else’s belongings.
Commercial property insurancehelps protect your owned or rented building and the equipment you use as an electrician. This includes:
- Amp meters
- Screwdrivers
- Wire strippers
- Pliers
- Power tools
- Batteries
Business income insurancehelps recover some of your lost income if you can’t operate your electrician business because of covered property damage.
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Taking Care of Your Electrician Team
We know that looking after your electricians and employees is one of your top priorities as a business owner. They face unique risks and challenges on the job, and we’re here to help keep them protected with electrical contractor insurance created for small businesses like yours.
An average of 125 electrical shock incidents occur every year.1
Electric Shocks
“My electrician was setting up a new circuit in a customer’s home when he got shocked from a live wire. He had to go to urgent care for treatment.”
Workers’ compensation insurance can help your electricians recover from a work-related injury or illness. It provides benefits that can help pay their medical bills and replace some of their lost wages.
Damaged Wall
“I was installing a new sub-panel for my client when I knocked a piece of artwork off the wall. The frame broke when it hit the ground.”
General liability coverage can help cover claims that your business hurt somebody else or damaged another person’s property.
Covering Your Electrical Business’ Property
Being prepared for the unexpected is essential to running a successful small business. Events like a fire, storm or theft can damage your tools and prevent you from operating. That’s why electrical contractor insurance is important.
In 2019, fire departments responded to a fire an average of every 24 seconds in the U.S.2
Damaged Tools
“We were installing a new electric system and had to rent some special equipment to finish the job. When we got to the site, the rental tools fell out of our truck and a few of them broke.”
Our Contractor’s Equipment Insurance coverage helps protect equipment you use for your electrical contractor business. This includes equipment or tools you rent.
Car Accident
“One of my electricians was driving their own car to a client’s house to repair some damaged wiring. He accidentally rear-ended another car and the driver had to go to the hospital.”
Hired & Non-Owned Auto Insurance helps protect you and your employees on the road if you’re using personally owned or rented vehicles for business. It can help cover claims that your business caused property damage or bodily injury to someone else.
Covering Your Electrician Business’ Operations
Lawsuits can be costly for your small business. Without business insurance, you may have to pay out of pocket for legal costs if someone sues you, but with electrical contractor insurance, you can have peace of mind knowing you have coverage to help protect you in lawsuits.
Small businesses accounted for 53%, or $182 billion, of lawsuit costs in the US in 2018.3
Customer Slip and Fall
“I was meeting with a client in my office when they slipped on loose carpeting, falling and hurting their wrist.”
Electrician liability insurance helps cover claims that your business hurt somebody or damaged their property. This is also known as general liability insurance.
Discrimination Claims
“After some performance issues, we had to terminate an employee. They ended up suing our business claiming discrimination.”
Employment practices liability insurance helps protect your business from claims related to employment practices. This includes discrimination, sexual harassment or wrongful termination.
Get Electrical Contractor Insurance Made for Your Business
Running a small business is hard work. As an electrician, you face unique risks every day. Our specialists are here to help get you the business insurance coverage you need. Whether it’s getting the details on self-employed electrician insurance or asking a question about coverage, we’re here for you.
Find out more about other building and design professions we insure.
- Architect Liability Insurance
- Business Insurance for Engineers
- Non-Residential Building Insurance
- Home Inspector Insurance
- Interior Design Insurance
- Plumbing Insurance
Electrical Contractor Insurance That Has Your Back
Get the protection you need to help keep your small business running smoothly and successfully.
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More Answers to Frequently Asked Business Insurance Questions
What Does Business Insurance Cover?
How to Calculate Business Income for Insurance
Why Do I Need Business Insurance?
2 National Fire Protection Agency, “Fire Loss in the United States During 2019”
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