Electrical Contractors Insurance

Electrical contractor insurance to protect your assets and your future.

Electricians and electrical contractors keep the lights on and critical systems running. Specialized electrical contractor insurance in Vermont or New Hampshire protects you from industry-specific risks every day.

Electrical contractor insurance that addresses your needs.

Electrical contractors and electricians work in homes, commercial spaces, and large industrial buildings. While circumstances may change, certain risks remain.

If someone is hurt at your location or on a job site, general liability insurance may help. The same applies if an employee accidentally damages a client’s property. This type of insurance for electrical contractors provides essential protection for common, costly incidents.

Electrician Liability Insurance: Protection that goes beyond the basics.

Because of the nature of your work, protection from potential losses is essential. Completed operations liability insurance covers you even after you finish a job. If a customer claims your work was faulty, you may still face a claim.

Your policy may cover bodily injury, property damage, and legal defense costs. Commercial umbrella insurance adds an extra layer of protection when you reach the limit of your standard policy. Electrical contractors’ public liability insurance can also help support your business in the event of catastrophic losses.

Coverage that protects your business while on the move.

Your work requires you to travel from site to site. Business auto insurance helps protect your business if one of your vehicles is involved in an accident. It may cover bodily injury or property damage. Coverage can vary depending on whether you operate one vehicle or a fleet.

Do you or your employees drive personal vehicles for business? Do you rent vehicles? If so, hired and non-owned auto insurance may be necessary.

Your tools, inventory, and specialized equipment also travel with you. Inland marine may cover these items if lost, stolen, or damaged while on the road.

Protect your livelihood if you cannot operate.

If you’re not able to open your business, you may suffer from a loss of revenue. Business interruption insurance provides income replacement and may pay for operating expenses or temporary relocation expenses associated with covered perils.

If a storm knocks out power to your area and you’re unable to work, you might face business interruptions. In situations like this, specialized electrician insurance coverage can help. Business interruption insurance for off-premises utility services (OPUS) may provide the necessary help.

Home-based businesses need protection, too.

If you’re an electrical contractor working from home, you still need business insurance. A business owners insurance policy (BOP) offers coverage beyond your standard homeowner’s insurance.

If you receive deliveries or mail, have customers, or store inventory and tools at your home, consider business insurance. This electrician insurance in New Hampshire or Vermont provides protection for your home-based operation.

Don’t ignore the business side of your operation.

While you face industry-specific risks, you should still consider general business insurance policies. If you use computers to run any aspect of your company, cyber liability insurance is a must.

Employee practice liability insurance (EPLI) may pay for legal fees and damages if you’re accused of:

• Discrimination
• Harassment
• Wrongful hiring or firing.

Property insurance protects your shop and its contents from fire, theft, and other covered losses. These policies round out your electrical business insurance and help manage your overall electrician insurance cost more effectively.

Ready to discuss your unique electrician business insurance needs? Contact us today to learn more.

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As an independent agency, we are here to help you find the right Electrical Insurance coverage.