Electrician Insurance

Whether you run a large electrician company or you are an independent electrical contractor, it’s critical to protect your business with Electrician Insurance.

Join thousands of electrical contractors that are already protected!

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What is Electrician Insurance?

As an electrical contractor, your clients depend on your expertise to ensure that all electricals in their building work properly.  From troubleshooting electronic systems to repairing circuit breakers, each project presents a different level of risk for accidents, damages, or injuries.

Electrician Insurance is a policy package designed for electricians and electrical contractors that provides financial coverage for common liability risks you may be exposed to on the job, such as third-party injuries and property damage.

Track Liability Insurance

What insurance does an electrical contractor need?

Electrical contractors conduct a lot of hands-on work with a variety of electrical components, therefore it is critical to have insurance coverage specifically designed for the risks you encounter and the equipment that you own.

A comprehensive Electrician Insurance policy should typically cover the following:

  • General Liability Insurance: covers costs associated with common electrician liability risks, such as slip-and-fall injuries or third-party property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a covered job site.

Professional Indemnity Insurance:  This policy is necessary for electricians who offer design work or consultation, to protect you from lawsuit claims of damage due to errors and omissions in the service you provided.

Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.

Right policies for business insurance

Who needs Electrician Insurance?

Regardless of the electrical services provided (residential or commercial), there may still be liability risks of slip-and-fall injuries and property damage. Having the proper insurance coverage for your electrician business will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:

  • Electrical Contractors
  • Commercial Electricians
  • Domestic/Residential Electricians
  • HVAC Technicians
  • Industrial Electricians
  • Journeyman Electricians
  • Master Electricians
  • Self-Employed Electricians
Cheap Liability Insurance

How much does Electrician Insurance cost?

Electrician Insurance starts at$540 for a basic General Liability Insurance policy with a $2M limit.

There are several factors taken into consideration when determining a price for an Electrician Insurance policy package, including:

  • Number of Employees
  • Project type (Commercial vs Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

If Electrician Liability Insurance is what you need, request a free quote now.

Common scenarios where Electrician Insurance is useful

Circuit Breakers

Problem: You’re fixing a client’s home circuit breaker unit but due to malfunction, a fire starts and burns down half of the house. The client sues you for the damage to their property.

Outcome: Your Commercial General Liability Insurance policy covers the $310,000 to repair the damaged home.

Copper Wire

Problem: Someone broke into your workshop, stealing all of your expensive copper wire along with destroying the security camera system.

Outcome: Your Tools and Equipment Insurance coverage will replace the $86,000 worth of tools and equipment.

Sewage Spill

Problem: One of your subcontractors accidentally hit a sewage line while installing a new electrical pole line which caused a massive spill into the surrounding area.

Outcome: The $247,000 cost to clean up the spill and repair the sewage line was covered by your Pollution Liability Insurance.

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Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.