Fires, injuries from live wires, and accidental damage to a client's home are risks for every electrician. Avoid costly downtime and losses with affordable electrician's insurance from top providers.
These insurance policies cover the common risks of electrical work.
General liability coverage helps pay for common third-party accidents. Bundle with commercial property insurance for savings in a business owner's policy (BOP).
Most states require workers' comp for electrical businesses with employees. This insurance covers work-related injuries that a sole proprietor's health insurance might deny.
This policy is required for vehicles owned by an electrical business. It covers third-party medical bills and property damage in the event of an auto accident.
This type of inland marine insurance helps pay for the repair or replacement of an electrical contractor’s voltage testers, wire strippers, and other tools and equipment.
A professional liability insurance policy covers legal expenses when an electrician's mistake or missed deadline leads to a lawsuit. It's also called errors and omissions insurance (E&O).
A surety bond is an agreement between an electrician, a client, and an insurance company. It guarantees the insurer will reimburse the client if the electrician fails to fulfill the terms of their contract.
It’s easy to get insurance coverage as an electrical contractor or company if you have your business information on hand. Our insurance application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits electrician businesses, whether you work independently or hire employees.