Electrical Contractor Insurance in Texas

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What is Electrician Insurance?

Electrical work is dangerous. You could still make an error that causes injuries to your property or personal injury. What’s more, it could lead to a costly lawsuit.

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

Electrical contractor insurance is a shortened term for different kinds of insurance policies that you could consider protecting your Texas company.

Why do electrical contractors need insurance in Texas?

Electrical systems can be dangerous in Texas, regardless of whether you are working as an electrician for residential use or a commercial one. Every electrician is at risk of burns, injuries caused by live wires, as well as accidental property damage of the client.

Texas electricians are covered by business insurance that helps them cover the common risks electrical contractors confront. You may have to pay for legal fees, compensation, and other unexpected expenses if you don’t have different insurance policies.

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What types of insurance do Texas electricians need?

There are a variety of options to choose from as an electrician. BizInsure offers electricians a range of 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.

The coverage is regarded by many as a fundamental coverage for electrical contractors. It protects against lawsuits and other financial obligations that could arise from accidents. The coverage includes the following:

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

Business Owner’s policy

Business Owners 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 policy (also known as Errors and Omissions or E&O insurance) is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing.

Professional Liability insurance covers incidents like*:

  • Giving incorrect advice to clients about accessibility or other standards within the building
  • If the work you did is not perfect, the client will have to pay for additional materials or labor
  • You’re accused of being negligent by a client, even if this isn’t 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.

Tools and Equipment insurance

Your tools and equipment as an electrical contractor in Texas are essential for your success.

Coverage for Tools and Equipment will help you avoid financial loss in the case of an unexpected incident.

Cyber Liability insurance

Electrical contractors must be familiar with cyber security threats. Data breaches are on the rise in the modern age.

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 Texas electrician insurance cost?

Electrical insurance costs in Texas are affected by a variety of factors such as contractual requirements and the number of employees or other exposures related to your work.

The cost of insurance for a company with multiple electricians is higher than when the electrician works alone. The cost of business insurance for electrical businesses is affected by:

  • Business size and revenue
  • The number of employees covered
  • What types of services are offered?
  • The location of the business
  • Your claim history
  • Coverage level

Top tips on Texas electricians insurance

Here are some great tips for reducing your business insurance cost.

  • Compare quotes – Comparing rates can help you find policies that fit your requirements while still being within your financial budget.
  • Manage risk – If you take the proper steps to reduce risk, you can reduce your insurance premiums.
  • Pay your premiums upfront – If you pay your annual premiums (instead each month) you can save money.
  • Increase your deductible – You could lower your premiums by increasing the deductible. But you must decide if you have enough funds to cover any claims.
  • Review the policy every year – It is crucial to examine your policy and make changes each year to make sure that it follows your requirements.

How to obtain electrician liability insurance in Texas?

As an electrician you’re exposed to unique risks. BizInsure offers fast and simple insurance for electricians.

Our team is available to answer questions you may have and help you understand your insurance requirements and choose coverage that suits your small business needs.

Ready to start? Protect your Texas electrical business by calling us today or by comparing 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.
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