Insurance for Electricians

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What is Electrician Insurance?

Electricians complete vital and complex work for their clients and customers. Not only are you providing an important service, but you must also be mindful of the fundamental dangers of electrical systems. Insurance for electricians can help you manage everyday risks that come with your work and running a small business.

Electrician insurance (a quick way to refer to the different types of insurance that electricians often consider) helps protect your business against on-the-job claims like:

  • Client property damage or injuries
  • Employee workplace injuries
  • Mistakes in your work or professional recommendations
  • Damage to your business property
  • Unexpected business interruptions

Find coverage that fits your business needs

BizInsure’s licensed agents help electricians find coverage to protect their growing businesses. Compare quotes from A-rated (or better) insurers online or over the phone and get instant coverage today!

Why do electricians need insurance?

When you’re running a small business, it pays to expect the unexpected. Work site accidents, mistakenly giving the wrong advice, and wild weather can lead to expensive bills or lost income if you have to stop working. The cost of setting things right is solely your responsibility—unless you have insurance.

Claims and lawsuits can hit a business owner hard. Expenses like legal compensation payments, legal costs, and other unplanned bills could quickly empty your bank accounts. They might even put you out of business permanently.

Electrician insurance helps you plan for the unexpected. Instead of paying out of pocket for unexpected costs, your insurance policies pay them for you.

You might be required to have certain types of coverage to maintain your electrician or general contractor license, to work with specific clients or to rent commercial space for your business.

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BizInsure helps you compare multiple quotes in minutes, so you can find electricians insurance that fits your small business.

Who needs electrician insurance?

Many types of electrical contractors consider insurance to help protect their small businesses.

  • Self-Employed Electricians – A sole proprietor is responsible for every part of their business, including responding to claims and lawsuits. Electrician insurance can help you manage many workplace risks.
  • Residential Electricians – Anything can happen when you’re working in a customer’s home. Electrician insurance helps cover claims if something goes wrong.
  • Commercial Electricians – Business insurance can help protect your business and employees. It may be required to work as a subcontractor for another company.
  • Contractors – More than just electricians consider getting covered! Contractors specializing in different trades—from carpenters to handymen—may also seek coverage for greater peace of mind.

What types of business insurance do electricians need?

Every electrical business is different and will have its own unique insurance needs. However, there are some policies that most electricians consider:

General Liability insurance

General Liability insurance can protect electricians against third-party claims regarding bodily injury or property damage. In these instances, a policy will cover your legal expenses, as well as the cost to replace or remedy the situation, up to the limits of liability.

General Liability insurance is a type of electrical contractor liability coverage also sold as Commercial General Liability (CGL) or “slip and fall coverage”. It may be required by your clients, other businesses, or commercial landlords as a condition of working with them.

What if you accidentally damage a client’s property while working in their building? Or a third party injures themselves due to your negligence? It might cost you thousands of dollars to fix the situation—money that many small business owners do not have just lying around.

This is where General Liability insurance comes in. Electricians with these policies can rest easy knowing that the burden of legal expenses and compensating the injured party is off their shoulders.

The cost of third-party bodily injury and property damage claims can be staggering, enough to force you into bankruptcy or even put you out of business. Instead of paying these expenses out of your own pocket, your General Liability policy will help cover the costs associated with the claim.

Business Owner’s Policy

A 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.

Many electricians appreciate the convenient coverage provided by a BOP. Instead of managing multiple policies for common risks, like broken equipment to unplanned work interruptions, a BOP bundles these coverages into a single, affordable policy.

Workers’ Compensation insurance

Workers’ Compensation insurance protects your company and its employees. If 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.

Businesses with employees must have a Workers’ Compensation policy in most states, as they may face any number of work hazards on the job. In some areas, you may even need a policy as a sole proprietor working in construction or home maintenance.

Professional Liability insurance

Professional Liability insurance can protect electricians from potentially devastating financial damages resulting from alleged negligence or error in the delivery of their services.

Electricians may be asked to provide recommendations or advice based on their knowledge and expertise. If you mistakenly give bad advice—even just a small error— it could end up costing your customer money. Professional Liability insurance helps cover your legal costs and compensation payments if a claim or lawsuit is brought against you.

What does electrician insurance cover?

Insurance for electricians may cover a variety of events (depending on the types of coverage you choose):

  • Third-party bodily injuries – A customer trips and falls over your toolbox. They injure themselves and expect you to pay their medical bills.
  • Third-party property damage – You accidentally damage another contractor’s tools on a worksite. They want you to pay for repairs or replace the damaged items.
  • Employee injuries and illnesses caused by work hazards – Your employee breaks their leg while working. They can’t work for several weeks, leaving them with a large hospital bill and lost income while they recover.
  • Financial losses – Your business is forced to close temporarily due to extreme weather. Every day you’re unable to work equals lost revenue.
  • Legal defense costs – A customer sues your electrical business. You’re now facing expensive legal bills, attorney’s fees, and other costs as you defend yourself in court.

How much does insurance cost for electricians?

The cost of insurance for electricians varies. Insurers consider a variety of factors when calculating your premium, and the amount you pay may differ from other electricians. The cost of insurance for your electrical business also depends on the specific makeup and needs of your business.

Factors that may impact the cost of your electrician insurance include:

  • Your qualifications or experience as an electrician
  • The number of employees a policy covers
  • The size and annual turnover of your business
  • Your history of past insurance claims
  • The amount of coverage you seek
  • Other factors that can impact your insurance risk

Comparing quotes from multiple insurers is one way to understand how much you can expect to pay for electrician insurance and your coverage options.

BizInsure makes comparing quotes easy. We combine the efficiency of technology with a human touch to help you save time and money.

How do I get electrician insurance?

BizInsure understands the unique insurance needs of electrical contractors. We understand that while insurance may be essential, you don’t have a ton of spare time to request quotes from every insurer in town.

That’s why we’ve made buying insurance fast and easy. Compare policies from top-rated insurance providers (A-rated or better) and buy instant coverage in minutes. No complicated paperwork, no waiting.

  1. Click or call to complete a free, no-obligation application
  2. Compare quotes and choose your policies
  3. Buy coverage and receive your proof of insurance instantly

Compare quotes online and get covered today! BizInsure’s friendly customer service team are just a phone call away on 1-877-900-9998 if you need any assistance. We’re happy to help at every step in your insurance journey.

Other common trades we insure

It’s not just electrical contractors who could benefit from the protection that General Liability insurance can provide. We also insure all types of contractors and tradesmen:

Click or call today to compare General Liability insurance quotes from top rated insurers across the country!

Frequently Asked Questions

Is business insurance for electricians required by law?

Some types of insurance coverage may be required to work in your area.

Many state and local governments require electricians to have General Liability insurance. A policy may be necessary to receive or renew an electrical license.

General Liability insurance may also be required to work with certain clients or as a subcontractor for another business. They may require proof of your insurance before you can begin working with them. Additionally, commercial landlords may require you to have General Liability insurance before they will lease office or other commercial space to you.

Workers’ Compensation insurance may also be required by law in your state, particularly if you have employees.

Does an electrician insurance policy cover subcontractors?

If you regularly work as a subcontractor for another business, you can choose coverage that protects you on the job.

However, subcontractors working on behalf of your business may not be covered by your electrician insurance policies. Before bringing on a subcontractor, you may want to carefully review your policy documents to understand who is and is not covered by your policy. Many electricians require subcontractors to have their own insurance to ensure that their work is fully covered.

Are my tools and equipment covered?

Coverage for your tools and equipment is usually available through a Business Owner’s Policy (BOP). Equipment Breakdown coverage can help you manage the costs of repairing or replacing equipment that is essential to running your electrical business.

It’s important to note that General Liability insurance does not cover your business property. These policies only provide cover for property damage caused to a third party, such as a customer, supplier, or other contractor.

*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. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this webpage is general only.  Coverage for claims on the policy will be determined by the insurer, not BizInsure, and will depend on the specific facts and circumstances involved.
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