Electrical Contractor Insurance in Hawaii

  • 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 result in serious injury. Even if someone is skilled and knowledgeable, they could still make a costly mistake. It can also result in a costly lawsuit.
Electrical contractor coverage protects against financial losses that could be catastrophic in the event of injuries, damage to property or any other risks in the business

(Electrical contractor coverage and electrician insurance are a shortened way of talking about the various types of policies you can consider to protect your Hawaii business.)

Why do Hawaii electricians need insurance?

Electrical systems are a risk in Hawaii, regardless of whether you work as an electrician for residential use or a commercial one. Every electrician is exposed to the dangers of fires and injuries caused by live wires.

Hawaii electricians can benefit from business insurance to cover the most common risks. Insurance policies safeguard you from financial costs such as legal costs and damages.

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 kind of insurance do Hawaii electricians need?

You have several choices to pick from when you are an electrician. BizInsure’s electricians’ coverage is extensive and cost-effective.

General Liability Insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

It is considered by most to be an essential coverage for electrical contractors. It protects electrical contractors against legal action or financial liabilities due to accidents. This coverage includes:

  • Property damage caused to a third party.
  • Third-party injuries

Electrician General Liability insurance provides coverage regardless of whether a claim has been filed.

Business Owners Insurance

Business Owners 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

Also known as Errors and Omissions (E&O) insurance, this type of policy protects your business 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.

Professional Liability insurance protects events such as:

  • Not giving the correct information to customers regarding accessibility standards or other standards at the building
  • You have a flaw in your work that necessitates clients to pay for new materials or additional work
  • Customers might claim that you are negligent, even if it’s not

Workers Compensation Insurance

Workers’ Compensation insurance provides benefits to your employees when they make a claim against your workplace for injury or illness. Hawaii law requires that business with employees carry Workers’ Comp cover.

Coverage for tools and equipment

Electrical contractors in Hawaii need the proper tools and equipment to succeed.
You can be financially protected from unexpected incidents by purchasing tools and equipment insurance.

Cyber Liability Insurance

Electrical contractors are required to be familiar with cybersecurity threats. The number of data breaches is increasing. Cyber Liability covers the expenses associated with regaining data after the breach of personal information. This includes legal costs for the person affected, credit monitoring, and notification.

How much does electrician insurance cost in Hawaii?

Electrical insurance rates in Hawaii can be affected by a variety of factors. These include contractual requirements, employee numbers, and other exposures associated with your job.

Insurance costs for a business with multiple electricians is higher than if the electrical contractor is working on their own. Cost of insurance for electrical businesses is affected by

  • The size and the revenue of a business
  • How many employees are protected under the policy?
  • The type of service offered (residential commercial, residential or both)
  • The location of a business
  • Your claim history
  • Coverage level

How to save money on electrician insurance in Hawaii

Our top tips for saving on business insurance.

  • Compare quotes – Comparing rates will help you find coverage for your needs while staying within your budget.
  • Risk management – It is possible to reduce your insurance premiums by taking measures to reduce the risk.
  • Pay your premiumsin advance – You could save money by paying your premiums in advance.
  • Deductible increase – By raising your deductible, you may be able to reduce your insurance premium. You should consider carefully if you can afford to pay any claims.
  • Review your policy every year – You should examine and revise your insurance policies each year.

How do I get the electrical contractor liability insurance in Hawaii?

Small business management is an enormous amount of work. As an electrician, you face different risks each day. BizInsure makes it easy for electricians to obtain insurance.
Our team will be able to answer your questions to ensure that you are informed and are able to select coverage for your business.

Ready to begin? Call us today or Compare multiple quotes and safeguard your Hawaii 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
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
Great service. Very professional and cordial. Thanks
Jeremiah U.
1697064641
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.
1696828014
Easy to navigate what you need. Always notify ahead of renewal!
Athena T.
1696646371
js_loader
Google Rating
4.7
Based on 241 reviews
×
js_loader