Electrical Contractor Insurance in Mississippi

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What is Electrician Insurance?

Electricity can be hazardous. Even if your abilities and experience are high, you could make a mistake that could result in injuries to yourself or fire damage, as well as property damage. What’s more is that it could result in an expensive lawsuit.

Electrician insurance (a shorthand way of describing the different types of coverage you may consider for your electrical business) protects against financial losses resulting from injuries or property damage, as well as other risks associated with this trade.

You can protect your Mississippi electric business by obtaining the right type of insurance.

Why do Mississippi electricians need insurance?

It is possible to be injured working on electrical systems whether you are a home or commercial electrician. Every electrician is at danger of fires, injuries caused by live wires, and accidental damage to their client’s property.

Mississippi electricians are protected by business insurance against the most common risks that electrical contractors face. If you do not have insurance, you could be liable for expensive legal costs, compensation and other bills that are unexpected.

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What types of insurance do electricians require in Mississippi?

Electrical contractors can choose from a variety of coverage options. BizInsure is a company that offers a variety of insurance options 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.

For many electricians, this is a must-have insurance. It protects contractors from legal actions and financial obligations resulting in accidents. The coverage includes the following:

  • Damage to property of a third party
  • Third-party injury

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.

Professional Insurance Covers events such as:

  • Giving incorrect information to clients about accessibility or other standards of the building
  • The client must pay for new materials and labor since your work is defective
  • Customers might claim that you are negligent even when it’s not true

Workers Compensation insurance

Workers’ Compensation insurance 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.

Mississippi law requires employers that employ more than five employees to carry workers comp coverage.

Coverage for tools and equipment

Electrical contractors in Mississippi need the proper tools and equipment in order to succeed.

Tools and Equipment coverage can protect you financially from unexpected circumstances.

Cyber Liability insurance

Electrical contractors must be aware of cyber security risks. Data security breaches are increasing in our modern world.

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 Mississippi?

The cost of electrical insurance in Mississippi is influenced by a variety of factors such as contractual requirements, the amount of employees or other exposures related to your job.

An electrical contractor working alone will be able to pay less for insurance than a business that has several electricians. The cost of insurance for electrical companies is influenced by:

  • The size and the revenue of a company
  • Number of employees
  • The kind of service provided (residential commercial, residential or both)
  • The location of the business
  • Your claim history
  • Coverage level

Tips to save on Mississippi electricians insurance:

Our top tips for saving on business insurance.

  • Compare quotes – Comparing quotes can assist you in selecting policies that meet your requirements and fall within your price range.
  • Managing Risks – By taking the necessary steps to reduce risk, you can reduce the cost of insurance.
  • Pay your premiums upfront – By paying your premiums annually (instead of a monthly payment), you can save money over the course of time.
  • Increase your deductible – You may be able to reduce your premium by increasing your deductible. However, you should consider carefully whether you can afford any claim.
  • Review the policy annually – It’s important to review your policy and update it every year in order to ensure that it is in compliance with your requirements.

How to get electrical contractor insurance in Mississippi?

As an electrician, you are exposed to unique risks. BizInsure provides quick and easy insurance for electrical contractors.

We’re ready to address any questions you may have and assist you to understand your requirements, so that you can choose the right insurance for your small-sized business.

Ready to start your business? Call us now or compare quotes online and start protecting your Mississippi 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.
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