Electrical Contractor Insurance in Missouri

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What is Electrician Insurance?

Electrical work is dangerous. Even if you are highly experienced and skilled, a mistake can result in personal injury, property damage or even a fire. And, even more importantly, you could face an expensive legal case.

Electrical contractor coverage protects against financial losses that could be devastating in the event of accidents, property damage or other risks that are part of the business.

(Electrical contractor insurance is shorthand for the different kinds of insurance policies could be considered to safeguard your Missouri electrical business.)

Why do electricians need insurance in Missouri?

You can get hurt working on electrical systems whether you are a home or commercial electrician. Missouri’s electrical systems could be hazardous for both commercial and residential electricians.

Missouri electricians are protected by business insurance against the most common dangers that electrical contractors are exposed to. If you do not have insurance, you might be responsible for costly legal fees, compensation or other unexpected bills.

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What types of insurance do electricians need in Missouri?

There are several types of insurance that you can select from when electrician. BizInsure can arrange a large selection of electricians’ insurance.

General Liability insurance

Your 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.

The coverage is regarded by many as a fundamental coverage for electricians. It protects contractors from lawsuits and other financial obligations that result from accidents. This coverage includes:

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

Electrician liability insurance provides protection regardless of whether a claim is legitimate.

Business Owners Policy

Business Owners Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service.

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 incidents like:

  • Giving incorrect advice to clients regarding accessibility or other requirements within the building
  • If the work, you did is not perfect The client will be required to pay for any additional material or work
  • A customer claims that you were negligent, even if this is untrue

Workers’ Compensation insurance

Workers’ Compensation policy 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.

Insurance for tools and equipment

The equipment and tools you use to be electricians in Missouri is essential to your success.

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

Cyber Liability insurance

Electrical contractors must be aware that cyber security is a serious problem. Our modern world is experiencing a rise in data security breaches. Cyber Liability insurance helps cover the expenses associated with resolving a data breach, including the legal costs and monitoring of credit costs for affected individuals.

Cost of electrician insurance in Missouri

Electrical insurance costs are affected in Missouri by a variety of elements. These include contractual obligations and the number of workers or exposures relating to your occupation.

A single electrician will be able to pay less for insurance than a company that has several electricians. The cost of electrical business insurance is affected:

  • Revenue and size of the company
  • Number of employees protected
  • Types of services provided
  • The business’s location
  • Your claim history
  • Coverage level

How to save on electrical contractor liability insurance

Here are our top tips to save on your business insurance.

  • Compare quotes – Comparing rates will help you find policies for your needs while staying within your budget.
  • Risk management – You can reduce your insurance premiums by taking measures to reduce the risk.
  • Pay your premiums up-front – You could save cash when you pay your premiums ahead of time.
  • Raise your deductible – You could be able to lower your insurance premium by increasing your deductible. It is important to consider if you have enough funds to pay for any claim.
  • Review your policy every year – It is crucial to review and revise the policy every year to make sure that it is in line with your requirements.

How to get electrical contractor insurance in Missouri?

Small business management is a lot of work. Electricians are exposed to unique risks every day. BizInsure made it simple for electricians and electrical contractors to get insurance.

Our team will answer all of your questions to ensure that you are informed and are able to select coverage for your business.

Ready to begin your journey? Protect your Missouri electric business today by calling us at or comparing multiple quotes.

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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