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Electrician Insurance

Keep your business protected while you keep the power flowing.

Electrical contractor insurance to protect your assets and your future.

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Electricity. It’s an essential part of nearly every aspect of modern life. Electricians and electrical contractors keep the lights on, the machines running, and so much more. Specialized electrical contractor insurance in Vermont or New Hampshire protects electricians based on unique, industry-related risks.

Electrical contractor insurance that addresses your needs.

Electrical contractors and electricians work everywhere from residential homes to large, industrial buildings. While circumstances may change, certain risks remain.

What happens if someone is hurt at your location or on a job site? Or what if one of your employees accidentally destroys a client’s property? General liability insurance covers those incidents.

Electrician Liability Insurance: Protection that goes beyond the basics.

Protection for potential losses is important because of the work electricians perform. Completed operations liability insurance protects you even after your work is done. Customers might sue if they claim your work was faulty in some way.

Bodily injury, property damage, and legal defense costs may be included in your coverage. Commercial umbrella insurance provides coverage when reaching the limits of your standard policy. Electrical contractors public liability insurance may help provide financial support for catastrophic losses.

Coverage that protects your business while on the move.

You need insurance that protects you while you and your employees travel from job site to job site. Business auto insurance protects your business if a vehicle is involved in an accident. This type of electrician insurance covers bodily harm or property damage caused by an accident. Coverage may vary whether you have one vehicle or a fleet.

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

And what about all the tools, inventory, and specialized equipment in your vehicles? 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 such cases, specialized electrician insurance coverage can be beneficial. 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 contractors who operates your business out of your home, you still need business insurance. A business owners insurance policy (BOP) offers coverage that will go beyond your standard homeowners 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.

Electricians and electrical contractors face industry-specific risks. Despite these risks, they should still consider general business insurance policies. For example, if you use computers to run any aspect of your company, cyber liability is a must.

Employee practice liability insurance may pay for legal fees and court-awarded damages. This electrical business insurance applies if you’re accused of discrimination, harassment, or unfair hiring and firing practices. Property insurance protects your shop and its contents in the event of a fire or other losses.

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

Electrical Contractor Insurance - Electrician Installing Electric Cable Wires in a Fuse Switch Box

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