Electrical Contractor Insurance in North Dakota

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What is Electrician Insurance?

Electrical work is hazardous. Even if you’re competent and experienced an error can result in personal injury, damage to property or even a fire. Even worse, you could face an expensive legal case.

Electrical contractor insurance offers financial protection against damage that could be catastrophic caused by accidents, damage to property or other risks.

(Electrician insurance and electrical contractor insurance are shorthand for the many types of policies that you might consider for your small business.)

Why do electricians need insurance in North Dakota?

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

North Dakota electricians benefit from business insurance to cover the most common risks. Without different types of insurance coverage, you could be liable expensive legal fees as well as compensation and other unexpected bills that could drain your bank accounts.

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What types of coverage do North Dakota electricians need?

There are a variety of insurance that you can choose from as an electrical contractor. BizInsure offers electricians various coverage options at affordable rates.

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 to be a basic insurance for electrical contractors. It protects electrical contractors against legal action or financial liability arising from accidents. The coverage covers:

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

Business Owner Policy

A Business Owners Policy 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 covers incidents like*:

  • Giving clients incorrect advice about accessibility or other requirements within the building
  • If the work you did is not perfect The client will be required to pay for additional material or work
  • The client claims that you were negligent even though this is a lie

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.

North Dakota law requires employers to have Workers’ Compensation insurance, with limited exceptions. The law applies to full-time, part-time, seasonal and occasional employees.

Insurance for tools and equipment

Electrical contractors in North Dakota need the proper tools and equipment to be successful.

Coverage for Equipment and Tools will protect you from financial loss due to unexpected circumstances.

Cyber Liability insurance

Electrical contractors should be alert to cyber-security risks. Our modern world is experiencing an increase in 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.

How much does electrician insurance cost in North Dakota?

Electrical insurance premiums in North Dakota can be affected by several factors. This includes the requirements of contracts as well as employee numbers and other exposures related to your job.

A company that employs multiple electricians pays more insurance than a single electrical contractor. The cost of business insurance for electrical businesses is affected by:

  • Business size and revenue
  • Number of employees insured
  • Types of service provided (residential, commercial or both)
  • Business location
  • Your claim history
  • Coverage level

How to save on North Dakota electricians insurance

These tips can help you in saving the cost of your insurance.

  • Compare quotes – Comparing quotes can help you choose a policy that suits your needs, and is within your budget.
  • Risk management – If you take steps to lower your risk, it may be possible to reduce insurance premiums.
  • Pay upfront your premiums – By paying for your premiums each year you’ll save cash in the long term.
  • Raise deductible – You could reduce your monthly premiums by increasing the deductible. If you don’t have the funds to pay for any possible claims, you might want to reconsider.
  • Review your policy annually – You should review and update your insurance policies every year.

How can I obtain electrician insurance in North Dakota?

Electricians are exposed to unique risks every day. BizInsure offers fast and simple insurance for electrical contractors.

We are ready to answer your questions and help you understand your needs, so that you can choose the right coverage for your small business.

Ready to start your business? Call us or compare multiple quotes to safeguard your North Dakota electrical company today.

* 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.
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