Insurance for Electricians in Massachusetts

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What is Electrician Insurance?

Electrical work can be dangerous. It is possible to make a mistake that causes personal injury or property damage. Additionally, a lawsuit could be costly.

Electrical contractor insurance protects against financial losses due to injury or property damage, as well as other risks related to this business.

(Electrical contractor insurance and electrician insurance are shorthand for the different kinds of insurance policies you may consider protecting your Massachusetts electrical business).

Why do electrical contractors need insurance in Massachusetts?

Working on electrical installations in Massachusetts can be hazardous, whether you are an electrician for commercial or residential use. Every electrician is exposed to the dangers of fires and injuries caused by wires that are live.

Business insurance can help Massachusetts electricians cover the common dangers faced by electricians. You may have to pay costs for legal fees, compensation, and other unexpected expenses if you don’t have different insurance policies.

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What types of insurance do electricians need in Massachusetts?

There are several types of insurance that you can choose from as an electrician. BizInsure offers comprehensive electricians coverage at an affordable rate.

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.

Many consider this coverage to be the basic coverage for electricians. It protects electrical contractors against legal action or financial liability arising from accidents. This coverage includes:

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

Electrician General Liability insurance provides protection regardless of whether or not a claim is legitimate.

Business Owner’s Policy

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

Professional Liability insurance policy (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.

It protects your company against financial losses resulting in negligence or mistakes that were made when performing services.

Professional Liability insurance covers incidents like:

  • Not giving the correct advice regarding accessibility or other building standards
  • The client must pay for new materials and labor because your work has defects
  • You are accused of being negligent by a client even though it’s not true

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.

Massachusetts law requires every business with employees to carry Workers’ comp coverage, with limited exceptions.

Insuring Tools and Equipment

The equipment and tools that you employ as an electrician in Massachusetts is essential to your success.

You can be financially protected from unplanned events by purchasing Tools and Equipment insurance.

Cyber Liability insurance

Electrical contractors need to be aware of cybersecurity threats. In our modern world data breaches are on the rise.

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.

How much does electrician insurance cost in Massachusetts?

The cost of electrical insurance in Massachusetts are affected by a variety of factors, including contractual requirements and the amount of employees or other exposures related to your work.

Electricians insurance cost for a company with multiple electricians is higher than if the electrical contractor works alone. Cost of insurance for electrical business is influenced by

  • The size of a business and its revenues
  • How many employees is the policy covered for?
  • What type of services do you provide?
  • Location of a company
  • Your claim history
  • Coverage level

Save on Massachusetts Electricians Insurance

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

  • Compare quotes – You can find policies that meet your business needs by comparing quotes.
  • Risk management – By taking action to reduce your risk, it may be possible to reduce the cost of insurance.
  • Pay for premiums up front: By paying premiums each year instead of every month you will save money on insurance costs.
  • By raising your deductible – However, you should be sure you are able to afford the cost of any claim.
  • Review your policy every year – It is important to review and update your policy every year to ensure that it is in compliance with your needs.

How to get electrical contractors insurance in Massachusetts?

It requires an enormous amount of work to run a small-scale business. As electricians, you are exposed to different risks each day. BizInsure made it simple for electrical contractors and electricians to obtain insurance.

We’re ready to help answer any questions you may ask, as well as help you choose the right coverage for your business.

Are you ready to start? Contact us or compare multiple quotes to safeguard your Massachusetts 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.
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