Electrical Contractor Insurance in Oklahoma

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What is Electrician Insurance?

Electrical work is risky. It is possible to make a mistake that leads to injuries to your property or personal injury. It could also lead to a costly lawsuit.

Electrical contractor insurance offers financial protection against losses that may be devastating due to accidents, damage to property or other risks.

(Electrical contractor insurance or electrician insurance is a shorthand name for insurance policies you may consider protecting your Oklahoma electrical business.)

Why do electrical contractors need insurance in Oklahoma?

You can get hurt working on electrical systems regardless of whether you’re an electrician for commercial or home use. Electricians are susceptible to fires or injury due to live wires. They may even cause damage to their customers’ property.

Oklahoma electricians are covered by business insurance that helps them cover the common risks electricians face. If you do not have insurance, you could be liable for the cost of legal costs, compensation costs and other expenses that could take a huge chunk of your savings account.

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BizInsure’s licensed and knowledgeable agents are available to assist you in choosing the right insurance plan.

What types of insurance do electricians need in Oklahoma?

There are a variety of choices to pick from when you are an electrician. BizInsure offers comprehensive and affordable electricians coverage.

General Liability insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Many electrical contractors consider this as their primary insurance policy. This coverage shields electrical contractors from legal action, and financial responsibility arising from accidents. The insurance covers the following:

  • Damage to Third Party Property
  • Third-party injuries

Electrician General Liability covers you regardless of whether the claim is legitimate.

Business Owner Policy

A Business Owner’s 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 can protect professional service providers from potentially devastating financial damages resulting from alleged negligence or error in the delivery of your services.

The insurance policy, also called Errors & Omissions, (E&O) is designed to safeguard your business against losses resulting from negligence or errors that occur during the execution of services.

Professional Liability insurance covers events such as:

  • Giving incorrect information to clients about accessibility or other requirements of the building
  • The client is responsible for new materials and work because your work has defects
  • A client alleges that you were negligent, even if though this is untrue

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.

Oklahoma law requires employers to obtain Workers’ Compensation coverage for their employees.

Insuring your tools and equipment

You will not be successful without the tools and equipment that you require as an Oklahoma electrical contractor. Tools and Equipment coverage can protect you financially from unexpected events.

Cyber Liability insurance

Electrical contractors must be aware that cyber security is a serious issue. In the modern age, data breaches are increasing.

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 in Oklahoma cost?

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

A business that has multiple electricians will pay more for insurance than an electrician working on their own. The cost of insurance for electrical businesses is influenced by

  • Business size and revenue size of a company
  • The total number of employees covered
  • The kind of service provided (residential commercial, residential or both)
  • Location of a business
  • Your claim history
  • Coverage level

How to save on Oklahoma electrician insurance

Here are some great tips to help you reduce your insurance costs.

  • Compare quotes – Comparing quotes will help you in selecting policies that meet your requirements and fall within your budget.
  • Risk management – By taking steps to reduce risk, you can reduce the cost of insurance.
  • Pay for premiums up-front – by paying your premiums each year instead of every month you will save money on insurance expenses.
  • Increase deductible – You could reduce your monthly costs by increasing your deductible. It is important to consider if you have enough money to cover any claims.
  • Check the policy every year – It’s important to review your policy and make changes each year to make sure that it meets your needs.

How to get electrician liability insurance in Oklahoma?

It requires a lot of effort to run a small-scale business. Electrical contractors face unique challenges every day. BizInsure provides quick and easy insurance for electrical contractors.

We’re ready to help with any queries you may have, and to assist in choosing insurance for your company.

Are you ready to get started? Call or compare multiple quotes to safeguard your Oklahoma 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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