Electrical Contractor Insurance in Louisiana

  • 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?

Electricity is a risk. Even if you’re highly skilled and experienced, making mistakes that result in personal injury, property damage or fire could occur. What’s more is that it could result in a costly lawsuit.

Insurance for electrical contractors offers financial protection against losses that may be devastating due to accidents, damage to property or other risks.

Electrician insurance or electrical contractor insurance is shorthand for the different kinds of insurance policies that could be considered to safeguard your Louisiana electrical business.)

Why do Louisiana electricians need business insurance?

You can get hurt working on electrical systems whether you are an electrician for commercial or home use. Each electrician has a risk for burns, injuries caused by live wires, as well as accidental destruction to property of the client.

Louisiana electricians are covered by business insurance to help them cover the common risks electrical contractors face. Insurance policies safeguard you from expenses like legal fees 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 types of insurance do electricians need in Louisiana?

Electrical contractors can choose from several types of coverage. BizInsure offers a range of insurance options to electricians at affordable rates.

General Liability insurance

General Liability insurance policy 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 thought by the majority to be a necessary insurance for electrical contractors. It protects contractors from lawsuits and other financial obligations that result from accidents. The coverage covers:

  • Damage to third party property
  • Third-party injuries

Business Owner’s Policy

Business Owners Policy 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 (also known as Errors and Omissions or E&O insurance) is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing.

Professional Insurance covers incidents like:

  • Giving incorrect advice on accessibility or other building standards.
  • There is a defect in your work that requires the client to pay more for materials or labor.
  • The client asserts that you were in error, even though it is false

Workers’ Compensation Insurance

Workers’ Compensation insurance protects you 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.

Louisiana employers need to carry Workers’ Compensation insurance or be approved for self-insurance.

Tools and Equipment insurance

As an electrical contractor the tools and equipment you use are essential to your success.

You can protect yourself financially from unplanned incidents by purchasing tools and Equipment insurance.

Cyber Liability insurance

Electrical contractors must be aware to cyber-security risks. Modern society is seeing an increasing number of data breaches.

Cyber Liability insurance protects your business against malicious software attacks, data breaches, viruses, and phishing. It also covers legal fees, notifying customers of a breach, credit monitoring, and fines that your company may be ordered pay. This coverage also applies to Personally Identifiable Information (aka Non-Public Information) such as names, addresses, phone numbers, social security numbers, credit card and banking info, email addresses, etc.

What is the cost of insurance for electricians in Louisiana?

Electrical insurance in Louisiana is affected by many factors. This includes contractual requirements, number of employees and any other risks which are connected to your job.

The cost of insurance for a company that has multiple electricians is more than when the electrician works alone. The cost of insurance for electrical companies are affected by:

  • The size and revenue of an organization.
  • Number of employees covered.
  • Services offered (residential or commercial)?
  • The location of the business
  • Your claim history
  • Coverage level

Tips for savings on Louisiana electricians insurance

You can save on your insurance premiums by following these tips.

  • Compare quotes – Comparing rates can help find policies for your requirements while remaining within your financial budget.
  • Risk management – If you take steps to lower risk, you will be able to reduce the cost of insurance.
  • Pay your premiums upfront – If you pay your premiums annually (instead of monthly), you can save money over the course of time.
  • Increase your deductible – You can reduce your monthly premiums by increasing your deductible. If you do not have enough money to cover any potential claims, you might consider rethinking your decision.
  • Review your policy every year – You should review and update your insurance policies each year.

How to get electrician insurance in Louisiana?

Small-scale business management can be a lot of work. Electricians face unique dangers every day. BizInsure provides fast and easy insurance for electrical contractors.

We are ready to answer any questions you may have and assist you to understand your requirements to help you select coverage for your small business.

Are you ready to begin your own business? Call us or compare several quotes online to safeguard your Louisiana 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
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!
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!
Google Rating
Based on 290 reviews