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Contractors’ insurance protects against the financial risks present at all stages of business operations.
Electrical Contractors face the same everyday risks as other contractors due to their specialized construction work related to the design, installation, and maintenance of electrical systems. Injuries to employees or third parties, property damage at a job site, and damaged or stolen tools and equipment are some common occurrences that could lead to financial difficulty for your business.
Our insurance professionals are committed to helping you identify your risks and assist with designing affordable coverage to keep your business protected.
Because of the ongoing hazards at a job site, electrical contractors’ general liability insurance provides financial protection if you are found liable for injuries or property damage to a third party.
Numerous US states now require this coverage before your contractors’ license is issued.
Electrical contractors’ workers’ comp will protect your employees if they are injured or become ill from a job-related incident. Having this coverage will satisfy your state’s requirement to become licensed.
Accidents happen, and your electricians’ workers’ compensation insurance will be available to pay for medical expenses and lost wages.
Many states and project owners may require electricians to offer an electrical contractors’ surety bond before they can obtain a license or bid on a project.
An electricians’ contractor bond is a financial guarantee to your state’s licensing department and customer that you will fulfill project obligations according to your bid, and the vendors get paid when the work is complete.
Electricians’ commercial auto insurance will cover your business vehicles if you or an insured driver are found liable for an at-fault accident.
It also provides coverage if they get damaged in an accident, stolen, or vandalized.
An electrical contractor’s tools are vital in the workplace, and coverage is needed to reimburse your business if they get stolen or damaged.
Electricians’ tool and equipment insurance will provide coverage while your tools and equipment are used or stored.