Electrician Insurance

Customized Coverage for Electricians Like You

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Electrician Insurance That’s Made Just for You

As an electrician, you’re exposed to a lot of risks in your day-to-day work. But one thing you shouldn’t leave exposed is your business - and that’s where Simply Business comes in.

It’s our job to make sure you have the kind of coverage that’s customized for your electrical business. We’ll take the time to understand your specific business’s risks, so you can enjoy the peace of mind that comes from knowing you’re protected.

What Insurance Do Electricians Need?

Electricians are constantly exposed to a lot of risks - it’s just the nature of the business. Your biggest risks likely come from the specialities you offer, the type of projects you take on, and the locations where you work. That’s why Simply Business makes it easy to tailor your business coverage, so you’ll get exactly what you need.

That means no overpaying for coverage you don’t need. No policies that leave you feeling unsure about how you’re protected. That’s the Simply Business promise.

Need more detail? Read our FAQs:

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General Liability Insurance for Electricians

General liability insurance - also known as commercial general liability (CGL) insurance - is a type of policy that covers you and your business in case of claims involving property damage, accidents, and/or certain types of lawsuits.

For example, let’s say a customer trips over equipment you left on the floor while working. Without liability insurance, you’d have to directly pay for any resulting medical and legal costs. Fortunately, this type of policy can pay those fees for you, up to your coverage limits.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to own employees
  • And more

Learn more about commercial general liability insurance.

Professional Insurance for Electricians

Professional Liability insurance - which is also referred to as errors and omissions (E&O) insurance - is a type of policy that provides coverage in the event a customer alleges negligence from your electrical services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover resulting damages and legal costs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • And more

Workers Compensation Insurance for Electricians

If you have full-time or part-time employees, you may need workers compensation insurance. This type of business insurance covers you in case an employee gets sick or injured while on the job. Since the nature of your work exposes you and your employees to potential injury, it’s definitely a good policy for your business to have.

Workers compensation insurance may also be legally required as soon as you hire your first employee, so you’ll need this policy to keep your electrician business compliant with both state and federal laws.

Learn more about workers compensation insurance.

How Much Does Electrician Insurance Cost?

If you’re wondering how much electrician insurance costs, the answer usually depends on a number of factors, like: * The size of your business * Number of employees * The location you serve * The types of projects you specialize in * And more

Click click here to answer a couple of questions so we can help you learn how much your specific insurance policy may cost.

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