Insurance for Electricians
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General Liability Insurance for Electricians
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 also sold as Commercial General Liability (CGL) or “slip and fall coverage”, and may be required by your clients, other businesses, or commercial landlords as a condition of working with them.
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Why do Electricians need General Liability 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.
Of course, these aren’t the only risks that electrical contractors may face while on the job. You routinely work at your clients’ premises or in other third-party locations. 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 general liability 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.
What does Electrician’s General Liability Insurance cover?
General Liability insurance for electricians covers common risks faced by businesses that provide physical services to the public. This typically includes:
- Third-party property damage
- Injury suffered by a third-party
Importantly, Electrician Liability insurance provides coverage regardless of whether a claim has merit or not. Even baseless claims can be expensive to resolve, so having this protection in place can give you extra peace of mind while you work.
What is not covered by Electrician’s General Liability Insurance?
General Liability insurance for electricians typically does not provide coverage for:
- Employee injuries or if you are injured on the job
- Theft or damage to your own property, including tools
Additional forms of insurance (such as Worker’s Compensation, Professional Liability, or Contractor’s Tool and Equipment Insurance) may be available to cover these and other events that electricians might encounter in the course of their work.
Could this happen to you? General Liability insurance for electricians could help protect your business from claims like these:
Accidental third-party property damage: You’re walking back to your truck after finishing on-site work and accidentally knock over a custom windowpane. It immediately breaks, and the property owner demands you pay for the broken glass, plus additional money for expedited delivery of a replacement. A General Liability insurance policy will cover their claim, up to your limits of liability.
Third-party injury/Medical expenses: A client accidentally trips over your tool bag on their way to review your work. They suffer a serious cut as a result and must go to the hospital for stitches. General Liability insurance will help cover medical expenses caused by the accident regardless of fault.
How much does General Liability Insurance for electrical contractors cost?
Electricians Insurance can vary in cost, depending on the specific makeup and needs of your business. Insurers consider a variety of factors when calculating your premium, and the amount you pay may differ from other electricians.
The cost of General Liability insurance for electrical contractors may depend on:
- Your qualifications or experience as an electrician
- 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 can be an effective way to understand how much you can expect to pay for Electricians Insurance and your coverage options. This process is easy with BizInsure. We combine the efficiency of technology with a human touch to help you save and receive excellent customer assistance when you need it.
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!
Get General Liability insurance for Electricians
BizInsure understands the unique insurance needs of electrical contractors. Compare and buy Electricians Insurance from top-rated insurance providers (A-rated or better) without the complicated paperwork. Contact BizInsure and receive a General Liability insurance for electrical contractor quote today.
Frequently Asked Questions
Is business insurance for electricians required by law?
General Liability insurance is typically not required by law for electricians. However, the State Contractor’s Licensing Board, your clients, and other members of the public that you work with may require that you have a policy.
Many clients expect electrical contractors to have a General Liability policy. If you work 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.
Other insurance for electrical contractors, such as Worker’s Compensation, may be required by law in some states. Check with your local or state licensing board to understand what types of insurance are necessary for electricians in your area.
How do I get Electrician Liability insurance?
Buying Electrician Liability insurance can be done quickly and easily online or over the phone with BizInsure. Simply answer a few questions about your business and receive multiple quotes from top-rated insurers in minutes. Once you’ve chosen a policy that’s right for your business, you can buy online and instantly receive proof of insurance via email.
- Click or call to complete a free, no obligation application
- Compare quotes and choose your policy
- Buy your policy and receive your proof of insurance
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.
*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.