Electricians Insurance

If you work with electricity, you need a policy that provides coverage to risks your business is facing on a daily basis. Get the protection you need today.

Customized, affordable policies for all
Covers risks associated with electrical repair services
Equipment, third-party damages & injuries


Electricians Insurance

If you work with electricity, you need a policy that provides coverage to risks your business is facing on a daily basis. Get the protection you need today.

Starting from $30/month.

Electricians Insurance
What It Covers

Electrician’s Insurance is critical in helping you get back to work after unexpected loss or to protect yourself from legal costs should a client decide to file a lawsuit. What if they are injured on one of your sites? You also want to protect your tools and supplies, should something happen to them or they are stolen. You need the power to replace them. Don’t make the mistake of believing you are immune because you have experience.

Commercial General Liability (CGL) should be central to any policy you choose. It will protect you from bodily injury or property damage to a third party, which can protect you if you hire any independent contractors to help finish a job by deadline.

Errors & Ommissions

Honest mistakes happen to the best of us, but even an innocent one can lead to significant repair costs. This coverage in your policy helps with those costs, and is specifically helpful for small businesses as it helps against claims that contract specifications were not met.


Commercial Auto Insurance

This is important for electricians as it differs from a personal auto policy. It is designed to protect your company car. It will protect against claims arising from accidents that might include physical damage or bodily injury. It also protects against liability.

Worth Considering

We do not appreciate electricians enough. They keep our businesses running and our homes secure. But they have dangerous jobs working intimately with electricity and hazardous tools. They have to troubleshoot, repair circuit breakers and more – and each project brings its own level of risk. We break down electricians in two categories:

Residential Electrician

A residential electrician should consider CGL and Professional Liability as homeowners, tenants and landlords will all rely on your services. You also need Equipment and Tools Insurance.

Commercial or Industrial Electrician

This type of electrician also needs CGL, Professional Liability and Equipment and Tools Insurance. But there are other options to consider such as Pollution Liability Insurance.

Who needs it?

Electricians obviously, but there are other categories as well that can benefit or who must have this type of insurance. Those professionals include Electrical Technicians, Industrial Electricians, Electrical Contractors, Electrical repairmen, Heating Contractors or HVAC technicians and Lighting Technicians.


What Influences Cost

As with any type of insurance, there are many factors that can influence cost. This is why it helps to consult a broker in designing your policy. There could easily be things you leave out that you don’t understand you need, and other things you choose that you may not need. This is your hard-earned money. Get some advice. What influences cost includes:

Your location, if you have a business
Your annual & projected revenue
Your years of experience
Number of employees you have
Any previous claims history & risk factors
Intentional Damage
by a Tenant
Many ask if Student Rental Insurance covers intentional damage by a tenant. It depends. If you choose options to cover vandalism you may be protected. Here are some tips to prevent this scenario:
Prepare a rental unit condition form
Do a walk-through with the student on the property
Have student sign form before handing over keys
Do a proper interview with the student beforehand
Speak to a licensed broker about your options
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