Insurance for Electricians in Tennesse

  • 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 poses a danger. You could still make a mistake that causes injuries to your property or personal injury. It can also result in a costly lawsuit.

Electrical contractor insurance offers insurance against financial losses that may be devastating caused by accidents, damages to property, or other risky situations.

(Electrical contractor insurance or electrician insurance is shorthand for the different kinds of insurance policies you may consider protecting your Tennessee electrical business.)

Why do electricians need insurance in Tennessee?

Working on electrical installations in Tennessee can be hazardous regardless of whether you’re a residential or commercial electrician. Electrical systems in Tennessee could be hazardous for both commercial and residential electricians.

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 Tennessee electricians need?

Electrical contractors can choose from a variety of coverage options. BizInsure provides electricians with various coverage options at affordable rates.

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.

It is thought by the majority to be a necessary insurance for electrical contractors. It protects contractors from lawsuits and other financial obligations that result from accidents. The coverage covers:

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

Business Owner’s policy

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.

This insurance, also called Errors & Omissions Insurance (E&O), protects you against financial losses resulting due to errors or negligence made while offering services.

Professional Liability insurance covers incidents like:

  • Not giving the correct advice about accessibility or other building standards
  • If the work you did is not perfect The client will be required to pay for any additional materials or labor
  • The client asserts that you were in error, even though this is a lie

Workers Compensation Insurance

Workers’ Compensation policy 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.

Tennessee law mandates that businesses with five or more employees must have Workers’ Compensation coverage.

Tools and Equipment insurance

The equipment and tools you use as electricians in Tennessee are vital to your success.

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

Cyber Liability insurance

Electrical contractors need to be aware of cyber security risks. Data breaches are on the rise in our modern world.

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 Tennessee?

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

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

  • Business size and revenue
  • Number of employees covered
  • Types of services offered (residential or commercial or both)
  • Business location
  • Your claim history
  • Coverage level

Saving on your electrician insurance policy

Here are our top tips for saving on the cost of your business insurance.

  • Comparing quotes – You can find the most suitable policy by comparing quotes.
  • Risk Management – By taking steps to lower risk, you could be able to lower your insurance premiums.
  • Pay for premiums up-front – By paying premiums each year instead of every month you will save money on insurance expenses.
  • The higher your deductible – You might be able to lower your premium by increasing your deductible. However, you should be sure you are able to afford any claim.
  • Review your policy every year – You should examine and revise your insurance policies every year.

How to obtain electrical contractor insurance in Tennessee?

As electricians, you are exposed to unique risks every day. BizInsure made it simple for electricians and electrical contractors to get insurance.

We’re ready to address any questions you may have and help you to understand your requirements, so that you can choose the right insurance for your small-sized business.

Ready to get started? Call us now or compare multiple quotes to protect your Tennessee 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.
© 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
Very satisfied with the online experience
Nicole h
1709238653
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
jodi H.
1709226367
Love it
Hanna R.
1708272180
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
1708044666
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
1707895796
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
1707524454
Very easy to sign up for insurance.
Great company
Brown G.
1706896003
Fast and efficient!
Kim C.
1706746693
عالی
alireza J.
1706727364
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
1706621476
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
1706224051
Great company for.your low cost business insurance needs.
constantin T.
1706156911
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
1706126428
Wonderful
Complete C.
1705788054
MUY BUENO
Super easy process.
Ashley G.
1704830227
It’s very easy to understand and at a very reasonable price.
Mary M.
1703780096
Professionalism, Quality, Responsive and budget friendly
B D
1703029371
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
1702775397
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
1702132165
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
1702059151
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
1701380391
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Terry
1701319042
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
1700848536
Always and easy process. Thanks!
Gerald S.
1700244544
Renewal was quick and easy online
Angelita K.
1699752900
I had a great experience working with Andrea from BizInsure. She was extremely knowledgeable, helpful, and responsive throughout the entire process. She guided me through the different options available and helped me find the perfect home care professional liability insurance policy that suited my needs. Her professionalism and expertise made the entire experience smooth and hassle-free. I highly recommend working with Andrea and BizInsure for all your insurance needs.
Juliette S.
1699032636
Easy to submit an application and to get quotes
Simone S.
1698775217
I had the most pleasant prompt and professional experience of my life with Bizinsure. Everything was completed in record time, at an unbelievable cost…and my certificate of Insurance was promptly emailed to me. Most of all it was effective immediately. No hassle no back & forth, just great service highly recommend to all small businesses.
Marcia S.
1698407456
Excellent
advanced U.
1697824466
js_loader
Google Rating
4.7
Based on 244 reviews
×
js_loader