Electrical Contractor Insurance in Florida

  • 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 can be dangerous. Even if you are highly competent and experienced, an error could result in a personal injury, damage to property or blaze. Even worse, you could face an expensive legal case.
Electrical contractor insurance covers financial losses due to injury or property damage, as well as other risks related to this business.

(Electrical contractor insurance is a shorthand phrase for various types of policies you can consider protecting your Florida business.)

Why do Florida electricians need insurance?

The work of electrical systems in Florida can be hazardous, whether you are a residential or commercial electrician. Each electrician is at risk of burns, injuries caused by live wires, as well as accidental destruction to the property of the client.

Florida electricians can protect themselves from the risks they face by purchasing business insurance. If you do not have insurance, you could be responsible for costly legal fees, compensation or other unexpected bills.

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 Florida?

You have several options to choose from as an electrical contractor. BizInsure offers a wide range of electrician coverage at affordable rates.

General Liability Insurance

General liability insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

For many electricians it is essential to have this insurance. This protects the electrical contractor against lawsuits or other financial liabilities due to accidents. This coverage includes:

  • Property damage to third party property
  • Third-party injury

Electrician General Liability covers you whether or not the claim is legitimate.

Business Owners Insurance

Business Owners 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 Florida businesses in case of a lawsuit due to alleged professional wrongdoing.

Also known as Errors & Omissions (E&O) insurance can protect your business from financial losses resulting from negligence or errors made when providing services.

Professional Liability insurance covers events such as:

  • Not giving the correct advice to customers regarding accessibility or other requirements in the building
  • You have a flaw in your work that necessitates clients to pay for more for materials or labor
  • The client claims that you were negligent, even though this is a lie

Workers Compensation Insurance

Workers’ Compensation coverage can protect Florida 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.

In Florida, most businesses which have four or more employees need Workers’ Compensation coverage.

Tools and Equipment insurance

The equipment and tools that you employ as an electrician in Florida is vital for your success.
Coverage for Tools and Equipment can help protect you from financial loss in the case of an unexpected incident.

Cyber Liability Insurance

Electrical contractors must be aware of cyber security threats. Modern society is seeing an increase in data breaches. Cyber Liability covers costs related to recovering from an incident. This includes legal fees, credit monitoring of the affected persons and the cost of notification.

What is the cost of electrician insurance in Florida?

The cost of electrical insurance is influenced in Florida by a range of factors. They include contractual requirements and the number of workers or exposures related to your occupation.

A business that has several electricians pays more for insurance than a single electrical contractor. The cost of insurance coverage for electrical business is affected by:

  • The revenue and size of an organization.
  • How many employees are protected under the policy?
  • What kind of services do you offer?
  • Business location
  • Your claim history
  • Coverage level

How to save on Florida electrical contractor insurance

Here are top tips for reducing your business insurance costs.

  • Compare Quotes – Comparing quotes can assist you to find a policy which will meet your requirements and falls within your budget.
  • Risk management – You may be able to lower your insurance rates by taking steps to minimize your business risks.
  • Pay your Premiums Upfront – By paying your premiums annually (instead of a monthly payment), you can save money over the course of time.
  • By raising your deductible – You could be able to reduce your insurance premium by choosing a higher deductible.
  • Review and update your policy each year – It is recommended to examine your policy every year to make sure it meets your needs.

How do I obtain an electrical contractor insurance policy in Florida?

Managing a small business is a difficult job. Electricians are exposed to unique risks every day. BizInsure makes it easy for electricians to get insurance.

We’re ready to address your questions and help you to understand your requirements to help you choose the right coverage for your small business.

Ready to get started? Call us or compare quotes online to protect your Florida electrical business.

* 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