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

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!

*The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Coverage for claims on the policy will be determined by the insurer, not BizInsure.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
Love it
Hanna R.
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
Very easy to sign up for insurance.
Great company
Brown G.
Fast and efficient!
Kim C.
alireza J.
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
Great company for.your low cost business insurance needs.
constantin T.
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
Complete C.
Super easy process.
Ashley G.
It’s very easy to understand and at a very reasonable price.
Mary M.
Professionalism, Quality, Responsive and budget friendly
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
Always and easy process. Thanks!
Gerald S.
Renewal was quick and easy online
Angelita K.
I had a great experience working with Andrea from BizInsure. She was extremely knowledgeable, helpful, and responsive throughout the entire process. She guided me through the different options available and helped me find the perfect home care professional liability insurance policy that suited my needs. Her professionalism and expertise made the entire experience smooth and hassle-free. I highly recommend working with Andrea and BizInsure for all your insurance needs.
Juliette S.
Easy to submit an application and to get quotes
Simone S.
I had the most pleasant prompt and professional experience of my life with Bizinsure. Everything was completed in record time, at an unbelievable cost…and my certificate of Insurance was promptly emailed to me. Most of all it was effective immediately. No hassle no back & forth, just great service highly recommend to all small businesses.
Marcia S.
advanced U.
Great service. Very professional and cordial. Thanks
Jeremiah U.
BizInure has been a great company for our insurance needs. I wish customers services was 24/7, that would make it a five stars
Novilette L. J.
Easy to navigate what you need. Always notify ahead of renewal!
Athena T.
Google Rating
Based on 241 reviews