Electrical Contractor Insurance in California

  • 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 Electrical Contractor Insurance?

Electrical work can be risky. Even if you’re experienced and skilled an error could result in a personal injury, property damage or even a fire. Even worse is the possibility of costly legal action.

Electrical contractor insurance can protect against financial losses that can be catastrophic due to accidents or property damage, as well as other risks associated with the business.

(Electrical contractor insurance is used to refer to the different types of insurance that you might consider for your California electrical business.)

Why do electricians need insurance in California?

You can get hurt when working with electrical systems, regardless of whether you’re an electrician for commercial or home use. Electricians are susceptible to fires or injury because of live wires. They could also accidentally damage their clients’ property.

California electricians are covered by business insurance that helps them cover the common risks electrical contractors confront. You may have to pay for legal fees, compensation, and other unexpected expenses in the event that you don’t have any other insurance policies.

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 California electricians consider?

You can choose between several different types of insurance as an electrician. BizInsure provides electricians with a broad selection of insurance options at reasonable rates.

General Liability Insurance

General Liability insurance protects you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

For many electrical contractors, this is a must-have coverage. It protects them against lawsuits and other financial liabilities that result from accidents. This includes:

  • Third-party property damage
  • Third-party injury

Business Owner’s policy

Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service.

Professional Liability insurance

Professional Liability Insurance safeguards California businesses against claims of negligence, misrepresentations, or mistakes. Professional Liability claims are typically made by clients who allege some form of financial damage as a result of your services, products or employees.

Also called Errors & Omissions (E&O) cover is designed to safeguard your business against losses resulting from negligence or errors made during the performance of services.

Professional Liability insurance protects against incidents including:

  • Giving incorrect advice on accessibility or other building standards
  • There is a defect in your work which requires the client to pay more for materials or labor
  • You’re accused of negligence by a client even though this isn’t true

Workers Compensation Insurance

Workers’ Compensation insurance offers protection to California electrical contractors against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

California law mandates that employers with at least one employee need to be covered by Workers’ Compensation coverage.

Protection for equipment and tools

As an electrical contractor, your tools and equipment are essential for your success. Tools and Equipment coverage can provide financial protection against unexpected circumstances.

Cyber Liability insurance

Electrical contractors should be aware that cybersecurity is a major problem. Data security breaches are increasing in the modern age. Cyber Liability Insurance can help cover expenses associated with resolving a data breach, including legal fees and credit monitoring expenses for the affected people.

How much does electricians insurance cost in California?

Electrical insurance prices in California are based on a range of factors such as the contract requirements of your business as well as the number and kind of employees you employ as well as any other risks to which your company is subject.

A single electrician will generally pay less for insurance than a company that employs several electricians. The cost of insurance coverage for electrical business is influenced by:

  • Business size and revenue
  • Number of employees covered
  • The kinds of services provided (i.e., commercial or residential)
  • Location of the business
  • Your claim history
  • Coverage level

Saving time and money on electrician insurance

Here are some great tips for reducing your business insurance cost.

  • Compare quotes – Comparing rates can help find a policy for your requirements while remaining within your financial budget.
  • Risk management – You could reduce your insurance premiums by taking steps to lower the risk.
  • Pay upfront – By paying your premiums annually you’ll save money in the long run.
  • Raise your deductible – You could be able to reduce your insurance costs by increasing your deductible. If you don’t have the funds to cover potential claims, then you may consider rethinking your decision.
  • Check policy annually – It is important to review and revise your policy each year to ensure it meets your needs.

How to get electrical contractor insurance in California?

Small-scale business management can be a lot of work. Electrical contractors face new challenges each day. BizInsure offers quick and simple insurance for electrical contractors.

Our team is ready to answer any questions you may have and help you understand your insurance needs and choose coverage that suits the needs of your small business.

Are you ready to get started? Call or compare multiple quotes online to protect your business.

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
Very satisfied with the online experience
Nicole h
1709238653
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
jodi H.
1709226367
Love it
Hanna R.
1708272180
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
1708044666
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
1707895796
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.
1707524454
Very easy to sign up for insurance.
Great company
Brown G.
1706896003
Fast and efficient!
Kim C.
1706746693
عالی
alireza J.
1706727364
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.
1706621476
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.
1706224051
Great company for.your low cost business insurance needs.
constantin T.
1706156911
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
1706126428
Wonderful
Complete C.
1705788054
MUY BUENO
Super easy process.
Ashley G.
1704830227
It’s very easy to understand and at a very reasonable price.
Mary M.
1703780096
Professionalism, Quality, Responsive and budget friendly
B D
1703029371
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
1702775397
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.
1702132165
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
1702059151
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
1701380391
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Terry
1701319042
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
1700848536
Always and easy process. Thanks!
Gerald S.
1700244544
Renewal was quick and easy online
Angelita K.
1699752900
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.
1699032636
Easy to submit an application and to get quotes
Simone S.
1698775217
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.
1698407456
Excellent
advanced U.
1697824466
js_loader
Google Rating
4.7
Based on 244 reviews
×
js_loader