Electrical Contractor Insurance in Washington

  • 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?

Electricity can be hazardous. Even if you’re experienced and skilled, a mistake can result in personal injury, damage to property or even a fire. It could also lead to a costly lawsuit.

Insurance for electrical contractors protects against financial losses resulting from injuries or property damage, as well as other risks that are associated with this trade.
Electrician insurance and electrical contractor insurance refer to the different types of coverage available to Washington electricians.

(Electrician insurance and electrical contractor insurance refer to the different types of coverage available to Washington electricians.)

Why do electricians need insurance in Washington?

If you’re an electrician, you’ll know that working with electrical systems could be hazardous in Washington. Electrical systems in Washington can be hazardous for both commercial and residential electricians.

Washington electricians benefit from insurance for businesses to protect against the most common risks. If you don’t have insurance, you could be liable for the cost of legal costs, compensation payments and other costs that can take a huge chunk of your bank account.

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.

Common insurance types for Washington electrical contractors

BizInsure offers electricians a range of comprehensive and affordable insurance options.

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 considered by most to be an essential coverage for electricians. It protects against lawsuits and other financial obligations that could arise from accidents. The coverage includes the following:

  • Property damage to third party property
  • Injuries to third parties

Business Owner’s Policy

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

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.

The insurance policy, also called Errors & Omissions, (E&O) is designed to protect your company from losses that result from negligence or errors that occur during the execution of services.

Professional Liability insurance protects against incidents that include:

  • Not giving the correct advice about accessibility, or any other building standards.
  • If your work is flawed, the client will have to pay for any additional materials or labor
  • You’re accused of negligence by a customer, even if this isn’t true

Workers Compensation Insurance

Workers’ Compensation insurance provides benefits to your employees when they make a claim against your workplace for injury or illness.

Tools and Equipment Insurance

You will not be successful without the equipment and tools you need to be a Washington electrician. The Tools and Equipment policy can provide financial protection against unexpected circumstances.

Cyber Liability insurance

Electrical contractors must be aware of the risks of cyber-security. Modern society is seeing an increase in data security breaches.

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 electrical contractor insurance cost in Washington?

The cost of electrical insurance in Washington is based on a range of factors including the contractual requirements of your company, the number and type of employees you employ, and any other exposures to which your company is subject.

A business that has several electrical contractors usually pays more in insurance costs than a contractor who only works by himself. Cost of insurance for electrical business is affected by

  • Business size and revenue
  • Number of employees are covered
  • Types of service provided (residential commercial, residential or both)
  • Business location
  • Your claim history
  • Coverage level

Save on Washington electricians insurance

Here are top tips to save money on your business insurance costs.

  • Comparing quotes – You can determine the most suitable policy for you by looking at quotes.
  • Risk management – By reducing the risk you face; it may be possible to lower insurance premiums.
  • Pay for premiums in advance – By paying premiums each year instead of every month, you can save on your insurance expenses.
  • Increase your deductible – If you don’t have the funds to cover any potential claims, you might consider rethinking your decision.
  • Review your yearly – You must review and update your insurance policies each year.

How do I get electrical contractor insurance in Washington?

There are unique risks to be aware of as an electrician every day. BizInsure makes it easy for electricians to get insurance.

Our team will be able to answer your questions to ensure that you are informed and are able to select coverage for your business.

Ready to start? Protect your Washington electrical business today by calling us at 1-877-900-9998 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
So very easy. What a great service.
Cherice Williams is the best and very easy to talk to 😊
The process was easy to maneuver.
Good service
Jennifer was amazing, informative and guided me to exactly what was needed to cover my business. Highly recommend.
First of all the agent I spoke with was very kind and helpful. Her name is Andrea. I appreciate the easy and quick online application to purchase my insurance.
I worked with Amy on getting professional insurance and she was fantastic! Some of the best customer service I’ve experienced in a long time. She was diligent and supportive, but never pushy.
The process was smooth and everyone answered questions along the way as needed. Andrea’s follow-up was excellent. Thank you!
Jen was awesome
I have been with Bizinsure for many years and they are always up to date with the latest policy information and the most competitive rates!
My interaction with the agent was very pleasant and she answered my questions. She also responded very quickly when I had questions.
BizInsure understood exactly what I needed and provided an affordable quote. The process was easy and I'm glad I used their services!
Our company has been with BizInsure since 2020. we are very happy with the service they provide.
Just started but the process was easy. Agent was kind and the price was great.I will see how the service is going forward, but starting was very easy and inexpensive.
Customer service was great! I got the help I needed!
Super A rated and affordable coverage.
Dina and Ashleih were so helpful! They made our package work for us. Grateful for the quick service.
I want to thank you for making my insurance search so simple and efficient. I also appreciated the easy communication options, which helped me make the right purchase decision. I'm really grateful for your company's support!.
Jenifer S. was the agent that I worked withi to secure general liability insurance. She was very knowledgeable, helpful and worked diligently to ensure that.my coverage needs were met and for a great price. I would definitely recommend her to others as she was a pleasure to work with.
The agent was very knowledgeable and was very quick in handling my request.
Good customer service
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.
js_loader
Google Rating
4.7
Based on 368 reviews
×
js_loader