Electrical Contractor Insurance in Pennsylvania

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What is Electrician Insurance?

Electrical work can result in serious injuries. Even if you’re competent and experienced an error could result in a personal injury, damage to property or even a fire. And even more importantly is the possibility of an expensive legal case.

Electrical contractors insurance covers financial losses that can be catastrophic due to damage to property, injuries or other risks associated to the business.

(Electrical contractor insurance or electrician insurance is used to refer to the various kinds of insurance you could consider protecting your Pennsylvania electrical business.)

Why do Pennsylvania electricians need insurance?

Electrical systems are a risk in Pennsylvania, regardless of whether you are working as a residential electrician or a commercial one. Every electrician faces the danger of fires, injuries caused by live wires, and accidental damage to their clients’ property.

Pennsylvania electricians benefit from business insurance to cover the most common risks. Without different types of insurance policies, you may be liable for costly legal costs as well as compensation and other unexpected expenses that can take your bank account to the limit.

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What types of insurance do electricians need in Pennsylvania?

You have several choices to pick from when you are a electrical contractor. BizInsure offers electricians a wide range of coverage at affordable costs.

General Liability insurance

General Liability insurance protects businesses against the risk of customer injury and property damage.

The coverage is regarded by many to be a basic insurance for electricians. This insurance protects electrical contractors from lawsuits and financial liability resulting from accidents. The coverage includes the following:

  • Damage to property of a third party
  • Injury to third parties

Business Owner Policy

A Business Owner’s Policy 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

Professional Liability, otherwise known as E&O insurance, protects your business against claims of negligence, misrepresentation or mistake, as well as document or paperwork errors.

Professional Liability insurance protects against a variety of incidents, including*:

  • Not giving the correct recommendations to customers about accessibility or other standards within the building
  • There is a defect in your work which requires the client to pay more for materials or work
  • Clients might claim that you are negligent, even when it’s not true

Workers Compensation insurance

Workers Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

Pennsylvania law requires businesses with at least one employee to obtain Workers’ Compensation coverage.

Insurance for tools and equipment

The tools and equipment you use as an electrical contractor in Pennsylvania are vital to your success.

Coverage for Tools and Equipment can help protect you from losses in the event of an unexpected event.

Cyber Liability insurance

Electrical contractors should be aware of cyber security risks. The number of data breaches is 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 cost in Pennsylvania?

Electrical contractor insurance costs are affected in Pennsylvania by a variety of factors. These include contractual obligations and the number of workers or exposures related to your job.

An electrical contractor working alone will pay less for insurance than a business that has several electricians. The cost of electrical business insurance is affected by:

  • Business size and revenue
  • Number of employees covered
  • Types of services provided (i.e., commercial or residential)
  • The location of a company
  • Your claim history
  • Coverage level

Saving on Pennsylvania electrician insurance

Here are top tips to help you reduce your insurance cost.

  • Compare quotes – Comparing prices can help you find an insurance policy that is suitable for your needs and is within your budget.
  • Risk management It is possible to lower your insurance rates by taking steps to lower the risk.
  • Pay upfront your premiums – By paying for your premiums annually you’ll save cash in the long term.
  • Raise your deductible – You may be able lower your insurance premium by increasing your deductible. If you don’t have enough money to pay for any possible claims, you might want to reconsider.
  • Review your policy annually – You may want to examine and revise your insurance policies every year.

How to obtain electrician coverage in Pennsylvania?

As an electrician, you face different risks each day. BizInsure simplifies the process for electricians to get insurance.

Our team will be able to answer any questions you may have to ensure you’re well-informed and able to choose the coverage suited to your company.

Ready to begin? Contact us now Compare multiple quotes and safeguard your Pennsylvania Electrical business 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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