Electrical Contractor Insurance in Alabama

  • Competitive insurance prices from A+ rated insurer
  • Online, no paperwork. Your policy will be emailed instantly
  • Over 25,000 small businesses in U.S. have used BizInsure

Get instant quotes

What is Electrician Insurance?

Electrical work is dangerous. Even if you’re highly skilled and experienced, making a mistake that results in personal injury, property damage or fire could happen. And what’s worse, it could lead to a costly lawsuit.

Electrical contractor insurance covers financial losses that could be devastating due to injuries, property damage or other risks associated with the trade.

(Electrical contractor insurance is shorthand for the different types of insurance policies that you may consider to protect your Alabama electrical business.)

Why do electricians need insurance in Alabama?

Working on electrical systems in Alabama can be hazardous, whether you are a residential or commercial electrician. Every electrician faces the risk of fires, injury from live wires and accidental damage to their client’s property.
Business insurance helps Alabama electricians cover the common risks faced by electrical contractors. Without different types of insurance policies, you may be responsible for expensive legal costs, compensation payments, and other unexpected bills that could drain your bank accounts.

Customer service icon

Contact our licensed agents now

You can rest easy knowing you’ve got insurance at reasonable cost from top-rated insurers.
BizInsure’s licensed and knowledgeable agents are available to assist you in choosing the right insurance plan.

What types of insurance do electricians need in Alabama?

There are several types of insurance that you can choose from as an electrical contractor. BizInsure offers electricians a wide range of coverage at affordable rates.

General Liability insurance

General Liability insurance protects your business against bodily injury or property damage lawsuits from outside parties.

This coverage is considered by many to be a basic coverage for electrical contractors. It protects them against lawsuits and other financial liabilities resulting from accidents. This coverage includes:

  • Damage to third-party property
  • Third-party injury

Electrician General Liability insurance provides coverage whether or not a claim is valid.

Business Owner’s Policy

A Business Owner’s Policy (BOP) is a convenient and affordable way for small business owners to protect against several of their most common exposures. These policies combine General Liability insurance with other types of coverage, such as business interruption and business property damage.

Professional Liability insurance

Professional Liability insurance protects Alabama businesses against claims of negligence, misrepresentation or mistake, as well as document or paperwork errors.

This coverage, also known as Errors & Omissions (E&O) insurance, protects your business against financial losses resulting from negligence or mistakes made while performing services.

 Professional Liability insurance covers incidents like:

  • Giving incorrect advice to clients about accessibility or other standards in the building
  • Your work has flaws that require the client to pay for new materials or labor
  • A client alleges that you acted negligently, even if though this is untrue

Workers’ Compensation insurance

Workers’ Compensation policy provides protection for Alabama electrical contractors if an employee suffers a work-related illness or injury. Policies commonly cover medical bills, rehabilitation or physical therapy, and lost wages.

Alabama law requires employers with more than five employees to have Workers’ Compensation coverage.

Tools and Equipment insurance

Your tools and equipment as an electrical contractor in Alabama are vital to your success.
Tools and Equipment coverage can protect you financially from unexpected events.

Cyber Liability insurance

Electrical contractors should be aware of cyber security risks. Data breaches are on the rise in our modern world. Cyber Liability insurance helps cover costs related to recovering from a breach of data, including legal fees, credit monitoring for the affected individuals, and notification costs.

How much does electrician insurance cost in Alabama?

Electrical insurance costs in Alabama are affected by a number of factors, including contractual requirements, the number of employees or other exposures related to your job.

A business that has several electricians will pay more for insurance than an electrical contractor who works alone. The cost of insurance for electrical businesses is affected by:

  • Size and revenue of a business
  • Number of employees covered by the policy
  • The types of services offered (i.e., residential or commercial)
  • Location of the business
  • Your claim history
  • Coverage level

How to save on Alabama electricians insurance

Here are our top tips for saving on your business insurance costs.

  • Compare quotes– Comparing quotes can help you to find a policy which meets your needs and is within your budget.
  • Risk management – By taking steps to reduce risk, you may be able to lower your insurance premiums.
  • Pay your premiums upfront – By paying your premiums annually (instead of monthly), you can save money over time.
  • Increase your deductible – You may be able to lower your premium by increasing your deductible. However, you should carefully consider if you have the money available to pay for any claims.
  • Review your policy every year – It is important to review and update your policy each year to ensure that it meets your requirements.

How can I obtain electrical contractor’s insurance in Alabama?

Small business management is a lot of work. You face unique risks as an electrician every day. That’s why BizInsure has made it fast and easy for electrical contractors to obtain insurance.

Our team is ready to answer your questions, help you to understand your insurance needs and choose coverage that suits your small business needs.

Ready to start? Call us today or compare multiple quotes online and protect your Alabama electrical business today!

* This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your [profession] license to ensure you are meeting their current licensing requirements.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
Great total experience. The agent was professional, knowledgeable,and a pleasure to work with. The fastest business insurance purchase I've ever experience. I highly recommend Bizinsure.
Tony W.
Communication was excellent and the process was easy.
Jessie R.
I have been using Bizinsure for several years and find the ease of renewing as well as generating additional insured certificates to be easy and useful, especially as a sole prop. thank you
Michelle C.
Kaleb tailored the right coverage to our business. Customer service was good and gave great understanding of coverage. Thank you from Goleda's Gentle Homecare LLC
Aneesah M.
BizInsure is very easy to do business with, they contact me for policy renewal so I never miss it and renewing is very easy!
carrie W.
Supreme A.
Easiest & fastest online quote and purchasing experience out there. Inside of 10 minutes I had a quote, payment draft, and policy in force... and at the most competitive GL rates I found.
Rusty H.
very quick and prompt service.
Sally Jo W.
caleb was great in helping me navigate thecorrect liabilty insurance for my company
Lindsay Erin P.
Friendly fast service I recommend you to all vendors
Terry R.
Kemi S.
Great Customer service and easy renewal process!!!! I would refer this company to anyone.
Chris H.
Great company easy to work with, Andrew was very helpful,you can call him any time he is ready to listen and help
Olu A.
Good customer service indeed
I am really satisfied BizInsurance. I was having a hard time getting insurance for my business. And when I called them they was knowledgeable in what I needed for my business. Thank you now I can get started with my business. I’m excited.
Geneva B.
Very helpful! The representative called me and got things fixed very quickly.
Carrie L.
I’m covered! The process was easy and friendly agents to assist you with identifying the right choices.
Google Rating
Based on 182 reviews