Electrical Contractor Insurance in Nebraska

  • 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 skilled and experienced, making a mistake that results in injury to a person or property damage, fire could happen. What’s more is that it could result in an expensive lawsuit.

Electricians insurance covers financial losses that can be catastrophic due to injuries, property damages or other risks associated to the trade.
You can protect your Nebraska electric company by getting the appropriate type of insurance.

What do Nebraska electricians need insurance?

You can get hurt working on electrical systems whether you are an electrician for commercial or home use. Every electrician faces the risk of fires, injury caused by live wires, as well as accidental damage to their clients’ property.

Nebraska electricians can benefit from insurance for businesses to protect against the most common risks. Without different types of insurance policies, you may be liable for costly legal costs, compensation payments, and other unexpected bills that could drain your bank accounts.

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 coverage do electricians need in Nebraska?

There are a variety of choices to pick from when you are an electrical contractor. BizInsure can arrange comprehensive electricians insurance at an affordable rate.

General Liability insurance

An 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 electrical contractors. It shields them from lawsuits and other financial liabilities that may result from accidents. The coverage includes the following:

  • Damage to Third Party Property
  • Third-party injury

Electrician liability insurance provides coverage regardless of the fact that a claim was filed.

Business Owners Policy

Business Owner’s Policy (BOP) 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

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 covers events such as:

  • Not giving the correct advice to customers regarding accessibility or other requirements in the building
  • Your work has flaws that require the client to pay for new materials or labor
  • You are accused of negligence by a client even though this isn’t true

Workers’ Compensation insurance

Workers’ Compensation policy 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.

Nebraska Law requires employers with at least one employee to be covered by worker comp coverage.


Tool and Equipment insurance

The tools and equipment that you employ as electricians in Nebraska is vital for your success.

The Tools and Equipment policy will offer financial protection against unforeseeable circumstances.

Cyber Liability insurance

Electrical contractors are required to be familiar with cyber security threats. Modern society is seeing an increase in data security breaches. Cyber Liability is a way to cover the costs of recovering from an incident. This includes legal fees as well as monitoring the credit of affected individuals and notification costs.

How much does Nebraska electrician insurance cost?

The cost of electrical insurance in Nebraska is influenced by a variety of variables such as contractual requirements, the amount of employees employed, or other exposures related to your work.

A single electrician will be able to pay less insurance than a company that has several electricians. Insurance costs for electrical businesses are influenced by:

  • Size and revenue of a company
  • Number of employees covered under the policy.
  • Types of services offered
  • Business location
  • Your claim history
  • Coverage level

How can I save on Nebraska electricians insurance?

These tips can help reduce your business insurance costs.

  • Compare quotes – Comparing quotes can help you to find a policy which meets your needs and is within your budget.
  • Risk management – If you take steps to lower the risk you face, it could be possible to lower the cost of insurance.
  • Make your payments in advance – You could save cash by paying your premiums in advance.
  • Increase your deductible– You may be able to lower your premium by increasing your deductible. However, you should carefully consider if you have the funds to cover any claim.
  • Check the policy yearly – It is crucial to review your policy and make changes each year to ensure that it meets all of your requirements.

How can I obtain insurance for my Nebraska electrical business?

As an electrician you are exposed to unique dangers. BizInsure simplifies the process for electricians to obtain insurance.

We’re here to answer any questions you may have, and to help you choose the right coverage for your business.

Ready to get started? Protect your Nebraska electrical business by contacting us today or by comparing multiple quotes online.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your [profession] license to ensure you are meeting their current licensing requirements.
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
Kalab was excellent. Great, great Agent. Every step was organized and well planned. I WILL recommend your firm to anyone. Thank you...
Easy to renew Policy
Plain S.
Great total experience. The agent was professional, knowledgeable,and a pleasure to work with. The fastest business insurance purchase I've ever experience. I highly recommend Bizinsure.
Tony W.
Communication was excellent and the process was easy.
Jessie R.
I have been using Bizinsure for several years and find the ease of renewing as well as generating additional insured certificates to be easy and useful, especially as a sole prop. thank you
Michelle C.
Kaleb tailored the right coverage to our business. Customer service was good and gave great understanding of coverage. Thank you from Goleda's Gentle Homecare LLC
Aneesah M.
Supreme A.
Easiest & fastest online quote and purchasing experience out there. Inside of 10 minutes I had a quote, payment draft, and policy in force... and at the most competitive GL rates I found.
Rusty H.
very quick and prompt service.
Sally Jo W.
caleb was great in helping me navigate thecorrect liabilty insurance for my company
Lindsay Erin P.
Friendly fast service I recommend you to all vendors
Terry R.
Kemi S.
Great Customer service and easy renewal process!!!! I would refer this company to anyone.
Chris H.
Great company easy to work with, Andrew was very helpful,you can call him any time he is ready to listen and help
Olu A.
Good customer service indeed
I am really satisfied BizInsurance. I was having a hard time getting insurance for my business. And when I called them they was knowledgeable in what I needed for my business. Thank you now I can get started with my business. I’m excited.
Geneva B.
Very helpful! The representative called me and got things fixed very quickly.
Carrie L.
Google Rating
Based on 184 reviews