Electrical Contractor Insurance in Georgia

  • 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 cause serious injury. Even if someone is highly skilled and experienced, they could make a costly error. The most damaging aspect is that it may lead to an expensive lawsuit.

Electrical contractor insurance protects against financial losses that could be catastrophic if there are injuries, damage to property or any other risks in the business.

Why do electrical contractors insurance in Georgia?

Working on electrical systems in Georgia is risky regardless of whether you’re a residential or commercial electrician. Every electrician is exposed to the dangers of fires and injury that can be caused by live wires.

Georgia electricians can protect themselves from the risks they are exposed to by purchasing business insurance. Insurance policies protect you from unexpected expenses like legal fees and compensation.

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 Georgia electricians need?

Electrical contractors can choose from several types of coverage. BizInsure offers a variety of coverage for electricians at affordable rates.

General Liability Insurance

General Liability insurance can protect 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.

It is considered by most to be an essential coverage for electricians. It shields them from lawsuits as well as other financial obligations that could result from accidents. The coverage covers:

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

Electrician General Liability covers you regardless of whether the claim is valid.

Business Owners Insurance

Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

Professional Liability insurance

Professional Liability insurance protects Georgia companies in case of a lawsuit due to alleged professional wrongdoing.

This coverage, which is sometimes referred to as Errors & Omissions insurance (E&O), protects you against financial losses resulting due to negligence or mistakes committed while providing services.

Professional Liability insurance covers incidents such as:

  • Incorrect information being given to customers about accessibility or other requirements of the building.
  • Your work has flaws that make it necessary for the client to purchase new materials or labor
  • You are accused of being negligent by a customer even though it’s not true.

Workers Compensation Insurance

Workers’ Compensation policy protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

Georgia law requires employers with three or more employees to obtain Workers’ Compensation coverage.

Tools and equipment coverage

Your tools and equipment as an electrical contractor in Georgia are essential for your success.
Coverage for Equipment and Tools will protect you from financial loss due to unexpected circumstances.

Cyber Liability Insurance

Electrical contractors should be alert to the risks of cyber-security. Data security breaches are increasing in our modern world. Cyber Liability covers costs related to recovering from an incident. This includes legal fees, credit monitoring of the affected individuals and notification costs.

How much does Georgia electrician insurance cost?

The cost of electrical insurance in Georgia depends on a variety of variables, including 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 business that has several electricians pays more for insurance than one electrical contractor. The cost of insurance for electrical companies are affected by:

  • The size and the revenue of a company
  • How many employees will be covered under the policy?
  • What types of services are available?
  • The business’s location
  • Your claim history
  • Coverage level

Save Money on Electrical Contractor Insurance in Georgia

Here are top tips to save money on the cost of your business insurance.

  • Compare Prices – Comparing prices will help you locate an insurance policy that meets your requirements and is within your budget.
  • Risk Management – If you take steps to reduce risk, you could be able to reduce your insurance premiums.
  • Pay upfront your premiums – By paying for your premiums annually, you will likely save money in the long run.
  • Increase your deductible – You might be able to lower your premium through increasing the deductible. But you must consider if you have the funds to cover claims under this limit.
  • Re-evaluate your policy every year – Examine and revise your insurance policies every year to ensure they are still meeting your business needs.

How do I obtain an insurance policy for electrical business in Georgia?

It’s difficult to manage a small business. Electricians face unique dangers every day. BizInsure offers quick and simple insurance for electrical contractors.

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

Are you ready to start? Contact us today or Compare multiple estimates and safeguard your Georgia electrical 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
Awesome service!
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant. They simply make my insurance be easy!
VERY PROFESSIONAL STAFF. CALLS ARE RETURNED PROMPTLY!!
Huge thank you to Andrea, she was patient, kind, & caring! Got my quote fast & at best price!
Excellent and Easy service - Thank you.
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Your service is easy to renew as needed and your company informs the client in advance for renewal.
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Quick and easy....
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Very satisfied with the online experience
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
js_loader
Google Rating
4.7
Based on 290 reviews
×
js_loader