Electrical Contractor Insurance in Oregon

  • 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?

Electrical work is hazardous. Even if a person is skilled and knowledgeable but they can make a costly error. And, even more importantly, you could face a costly legal action.
Electrical contractor insurance protects against financial losses that could be catastrophic due to injuries or property damage, as well as other risks that are associated with the business.

(Electric contractor insurance and electrician insurance are abbreviated names for insurance policies that you might think about protecting your Oregon electrical business.)

Why do Oregon electricians need insurance?

You can get hurt working on electrical systems whether you are an electrician for commercial or home use. Every electrician is exposed to the dangers of fires and injuries caused by live wires.

Oregon electricians benefit from insurance for businesses to protect against the most common risks. Without different types of insurance coverage, you could be liable for costly legal fees as well as compensation and other unexpected expenses that can take your bank account to the limit.

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 insurance do electrical contractors need in Oregon?

As an electrician has a range of options for insurance. BizInsure offers a range of electrician insurance options 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.

Many electrical contractors view this to be their basic insurance coverage. It protects them from legal actions and financial obligations resulting in accidents. It covers:

  • Damage to property of third parties
  • Third-party injuries

Business Owner Policy

A Business Owner’s 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 covers events like:

  • Incorrect information being given to customers regarding accessibility or any other requirements of the building
  • There is a defect in your work that necessitates clients to pay for new materials or additional work
  • Even if this isn’t true, a client may assert that you committed a mistake

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.

Oregon requires most employers to carry Workers’ compensation coverage.

Insurance for tools and equipment

You won’t be able to succeed without the equipment and tools you need to be an Oregon electrical contractor.

Be prepared financially for unforeseeable events with Tools and equipment coverage.

Cyber Liability insurance

Electrical contractors must be familiar with cyber security dangers. In our modern world data breaches are on the rise.

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 Oregon electrician insurance costs?

Electrical insurance in Oregon is affected by many factors. This is the case for contractual requirements, the number of employees employed and any other risks that are related to your job.

A company with several electrical contractors pays more insurance premiums than a contractor who only works by himself. Insurance costs for electrical companies is affected by:

  • Business size and revenue
  • Number of employees covered
  • The types of services offered (i.e., residential or commercial)
  • The location of the business
  • Your claim history
  • Coverage level

How to save money on Oregon electrician insurance

Here are our top tips to save money on the cost of your business insurance.

  • Comparing quotes – You can decide on policies by looking at quotes.
  • Managing of risk – If you take steps to reduce risk, you may be able lower your premiums.
  • Pay your premiums in advance – If you pay the annual cost of your premium (instead each month) you will save money.
  • Raise deductible – You could lower your premiums by increasing your deductible. You should consider carefully whether you are able to pay any claim.
  • Review your policy every year – It is crucial to review and update your policy each year to ensure that it meets your requirements.

How to get electrical contractor insurance in Oregon?

Electricians face unique dangers every day. BizInsure made it easy for electricians and electrical contractors to get insurance.

We’re here to answer your questions and assist in choosing insurance for your business.

Ready to get started? Protect your Oregon electric business now by contacting us or comparing multiple quotes online.

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.
© 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
Fast friendly professional service
Jennifer was fabulous. Quick & easy quote for GL/PL coverage and saved me money over previous policy. My wife referred me - she's always right!!
Representative was very kind, helpful, and educated me well. I especially appreciate their professionalism and patience.
Been with this company for about 4 years. They have provided me with excellent coverage, user-friendly technology and very low rate. As an accountant, they are my first choice for my small business clients.
Absolutely the easiest, absolutely the fastest, the best I can tell the lowest cost. For many businesses, Insurance is a dirty word, because it's complicated and we're actually so busy minding our business that when complicated insurance issues get in the way, it slows us down. But not with these guys. Biz Insure LLC has figured it out and thank goodness they have...
Thanks, you for your service
I want to say thank you for all the hard work the agent put in with me. She was glad to hear from me. Very pleasant to deal with and solved my needs
Thank you for your professionalism and patience and helpfulness with my insurance needs for my new business. Thank you, Amy Raley as well for all of your help - you are sincerely appreciated and you are an asset to BizInsure LLC!
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
Agent was precise and clear with explanation. Getting a quote was fast and easy. Thank you
Easy to renew Policy
BizInsures insurance is easy and affordable. Employees are well courteous and professional.
The renewal process is fast and efficient.
Easy to get Quote and start insurance with the recommended Insurance company. Not sure yet on services there after.
Yes, super easy!
I worked with Rachel to whom is professionally pleasant! She made it quick easy and communicating effectively while starting my business policy. I had to follow up for a COI addition and it was revised within minutes after me sending the email request.
Very Happy with the process and coverage.
very easy and efficient process. we are very happy.
Pleasant, efficient and reasonable/
I had an exceptional experience with Andrea Magee at BizInsurance. From day one, her professionalism, caring attitude, and thoughtfulness made a significant impact. She truly understands the needs of her clients and offers outstanding support. Her approach was not only thorough but also deeply supportive of our business. I highly recommend Andrea for anyone looking for top-notch insurance service!
Every year, BizInsure is my go to for general and professional liability insurance! The rates are unbeatable.
I renewed my policies , including a few updates, through the on-line portal. It was quick, easy and completed in a few moments. I will not have to revisit thias until 12 months from now. I printed out my documents and have no questions pertaining to my renewal. It was seamless. Thank you Biz Insure
Very nice and easy to use !!
I've been with Bizinsure LLC for 12 years. This is the easiest way to take care of my insurance needs. The best pricing too!!!
I have been a bizinsure client for a decade, and I couldn't be happier with the ease and customer service they offer. Highly recommended!
Why send emails and ask the company rep to call Bizinsure to renew, when you call and you get directed back to the website?I did want to speak to a person, but was unable to do so.
Easy to navigate what you need. Always notify ahead of renewal!
Andrew is an asset to your company!
Liability Insurance is not enough for a smallbusiness. BizInsure also has Professional Liability Insurance to protect my business and team from unintended missteps. Thank you for making the process easy.
js_loader
Google Rating
4.7
Based on 337 reviews
×
js_loader