Insurance for Electricians in Tennesse

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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.

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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.
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