From falling off ladders to shocks and burns to unsafe coworkers, potential danger is just part of a day’s work for an electrician. Whether you do commercial, industrial, residential, new-builds or retrofits, not only do you have to worry about personal safety, you’re responsible for the safety of anyone who comes in contact with your work. And that’s just the starting point for the risks you face. Without electrical power, businesses lose money and homes are uninhabitable which means a mistake or delay on your part could also mean thousands in lost income.

While you help insulate users from the dangers of electricity, Insurance Hero can shield you from the dangers of legal liability and losses with electrician insurance coverages that, like the panels you build, we can custom-fit for your electrician business.

Click here and get an online quote for Electrician Insurance in minutes or call us at 1 (855) 777 4376

Every electrician business is different. Depending on the size of your company, the type of work you do and where you do it, the amount of coverage you need will be unique to your business. Having said that, these are basic coverages that every electrician needs and a brief description of each.

Professional Liability / Errors and Omissions Insurance

We all make mistakes and that includes the most seasoned electricians. Those mistakes could lead to fires, costly downtime, lost or spoiled product or delays for homeowners moving in. If that happens, your client may sue to recover their losses and for other damages. The costs to defend against a lawsuit alone, whether warranted or groundless, are an expense few businesses can afford. And if your lawyer decides it’s best for you to settle or you go to trial and lose, the costs could mean lights out for your electrician business.

Professional liability or Errors and Omissions (E&O) insurance can provide you with the coverage you need in case a mistake results in litigation. That coverage can include:

• Lawyer’s fees and defence costs
• Losses sustained by a client
• Out-of-court settlement amounts
• Damages awarded by a court or tribunal

Even with proper testing, mistakes still happen and sometimes you don’t realize how complicated a job is going to be until you start working on it. Having E&O insurance gives you peace of mind that a mistake or a delay won’t land you in bankruptcy.

Click here and get an online quote for Electrician Insurance in minutes or call us at 1 (855) 777 4376

Commercial General Liability Insurance

As an electrician, you also face the risk that during the course of your work, or after it’s completed, someone else is injured or property gets damaged. Commercial general liability insurance can provide you with the legal coverage you need in those scenarios or if someone slips and falls at your place of business, someone you sub-contract work to causes injuries or property damage, you’re accused of false advertising or making libellous/slanderous comments. Remember, even if you’ve done nothing wrong the costs to prove it add up quickly.

Business Property Insurance

Whether you own or lease a commercial space or work from home, your workspace, tools and equipment, supplies, computers, phones, printer, etc. need coverage in case of a fire or flood, sewage backup, vandalism or other peril. No matter where your office is, Insurance Hero’s got protection that fits your needs.

Your gear also needs to be protected while you’re on the road and on job sites. Our floater coverage can protect your:

• Circuit Finders
• Circuit Analyzers
• Voltage testers
• Insulated apparel
• Splicing connectors and circuit benders
• Terminal blocks and coax connectors
• Drills and bits
• Wire strippers, pliers and screwdrivers
• Flashlights
• Other tools and equipment

from damage or theft when they’re not being housed at your place of business.

Click here and get an online quote for Electrician Insurance in minutes or call us at 1 (855) 777 4376

Commercial Auto Insurance

Commercial auto insurance coverage isn’t just for professional drivers and their vehicles. Your work van or truck (or whichever vehicle you use for work) needs its own coverage as your personal auto policy will not generally cover a vehicle used for work purposes. That leaves you exposed to legal liability and medical expenses if you’re involved in an accident on your way to or from a worksite or otherwise driving for work purposes.