Electrician Insurance Massachusetts

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Common insurance policies for electricians in Massachusetts

The Bay State is home to thousands of licensed electricians. In fact, the Boston metro area has one of the highest employment levels for electricians in the entire country. But no matter where in the commonwealth they are working, many Massachusetts electricians rely on electrician insurance to help protect their businesses.

Electrician insurance is our way of describing the different forms of coverage that are available to electrical contractors. These include common insurance policies like:

  • General Liability
  • Workers’ Compensation

Learn more about electrical contractor insurance for Massachusetts businesses and how to compare multiple quotes from top-rated insurers.

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What does electrician insurance cover in Massachusetts?

There are various types of electrician insurance available to help protect your business. Each policy covers different risks you may face on the job.

General Liability

A General Liability policy can protect you against claims by an outside party regarding injury or damage to their property. In these instances, a policy covers your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

General Liability insurance is sometimes called Commercial General Liability (CGL) or “slip and fall” coverage.

Anything can happen when you’re on a job site. A simple mishap, like another contractor tripping over your toolbox and injuring themselves, could create legal trouble for your business. A General Liability policy helps pay expenses, like medical bills or compensation costs, so you’re not left out of pocket setting things right.

Workers’ Compensation

A 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.

Massachusetts law requires most small businesses to have Workers’ Compensation insurance. You may face heavy fines and other penalties if you do not obey workmen’s comp laws.

What insurance is required for an electrician in Massachusetts?

General Liability insurance is not legally required for Massachusetts electricians. However, there are times when a policy may be mandatory:

  • Working with specific clients – A minimum level of General Liability coverage may be written into business contracts between you and your clients.
  • Bidding on government contracts – Most government agencies require contractors to have their own General Liability insurance.
  • Leasing business space – Commercial landlords typically require proof of General Liability insurance to lease office, warehouse or other spaces for your business.

Workers’ Compensation insurance is required by law for Massachusetts electrical businesses with one or more employees. You may need a policy in place before you hire your first employee.

Visit the Commonwealth of Massachusetts government website for more information on workers’ comp laws.

How much does electrician insurance cost in Massachusetts?

Insurance companies rely on many factors to calculate a business’ insurance premiums. The amount you pay for electrical contractor insurance in Massachusetts may vary from other electricians in your area due to differences between each business.

Factors that may impact your electrician insurance costs include:

  • How much revenue you earn each year
  • The number of employees covered by the policy
  • Your claims history
  • The amount of coverage you want

When you compare multiple quotes from different insurers, you can better understand how much you may pay for electrician insurance.

How to get Electrician insurance in Massachusetts?

BizInsure makes it simple to buy electrical contractor insurance for Massachusetts businesses. It takes as little as 10 minutes and three steps to start protecting your electrical business.

  1. Answer just a few questions about your business
  2. Compare free online quotes from top-tier insurers
  3. Buy your policies and get covered instantly!

Our licensed agents are on hand to help you for the duration of your policy period.

Ready to get started? Compare multiple quotes and protect your Massachusetts electrical business today!

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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