20 minute read

Electrician insurance.

Do you know the difference between an earth leakage, residual current and miniature circuit breaker? Do you know how to use a neon voltage tester, a light-emitting diode or an arc fault circuit interrupter? If you’re an electrician, electrical contractor or electrical technician, these terms are likely familiar to you. What may not be so familiar are the risks your business is facing on a daily basis—we can help with that.

Electricians insurance.

Who needs electrician insurance?

Here are just some examples of electrician businesses that should be protected:

Electricians
Electrical technicians
Electrical contractors
Industrial electricians
Electrical repairmen
Lighting technicians
Heating contractors
HVAC technicians

Why do I need insurance coverage?

The simple answer is to help you get back to business in the event of an unexpected loss.

Protect yourself from legal costs:
What if a fire breaks out at a customer’s property?

This could result in the customer filing an expensive and time-consuming lawsuit against your small business. The right insurance policy can help protect you if this type of unexpected incident occurs.
Protect your tools, equipment and supplies:
Could you get the job done without your tools?

As an electrician, you rely on your tools, equipment and supplies to get the job done. What would you do if those tools were stolen? The right insurance coverage can help cover the replacement costs of these items if they get damaged or stolen allowing you to protect your bottom line and get back to work.
Injuries happen:
What if a customer is injured on one of your sites?

Regardless of how experienced you are as an electrician, accidents can and do happen. The right small business insurance policy may provide coverage for you in situations where your negligence is responsible for injuries to customers or employees.
Get back on the road:
What if you get into a fender bender?

You can’t service your customers if you can’t get to them. Car accidents are always unfortunate and the damage can take a long time to repair. Commercial auto insurance can help you get back on the road quicker and keep your costs down after an accident.
Enhance your reputation:
Don’t you want your customers to feel secure doing business with you?

Your customers trust you with their homes and businesses—help make that process a little easier. Having proof of insurance can help you gain trust with new customers, enhance your reputation and grow your business.

What kind of coverage do you need?

We’ll build you a customized policy that meets your business’ unique needs.

Commercial general liability:

Commercial general liability coverage, or CGL insurance, is designed to cover damages that your business is found legally liable for. CGL coverage can help protect you in instances of bodily injury or property damage to a third party. As an electrician, you may need to hire independent contractors to help finish one of your jobs. What would happen if their work caused property damage or bodily injury to one of your customers? Your CGL policy would help protect you.

Errors and omissions insurance:

Even the most experienced and detail-oriented electrician can make an honest mistake that leads to costly damages for a customer. Including errors and omissions (E&O) coverage in your policy can help protect you from those costs. Contractors’ E&O coverage is designed to protect small business owners against claims where errors or omissions in your completed work have resulted in the contract specifications not being met.

Commercial auto insurance:

Getting to and from your customers’ properties is without a doubt a necessity for electricians, making commercial auto insurance important for your small business. Unlike a personal auto policy, commercial auto insurance is designed to protect the company car, the employees who are driving it and any passengers who may be inside. Some small business owners are often under the incorrect impression that they’ll be covered by their personal auto policies while using their vehicles for commercial purposes. Unfortunately, there are some important differences between the two that can leave you vulnerable to risks and potentially losses.

The TruShield advantage:

We’re as flexible as you need us to be.

24/7 Claims service:

We’re always open for you. With around-the-clock claims support by phone and online, we make settling claims fast, simple, and stress-free.

Flexible payment options:

Pay for your policy all at once or in convenient monthly installments. We also offer 0% interest and we’ll even accept payment by credit card.

We adapt as you do:

If you need to update your coverage at any point during your term, give us a call and we’ll walk you through the process. You can also cancel your policy at any time with no early termination fees.

We’ll go the extra mile.

There’s more to your TruShield policy than meets the eye. Here are a few other ways we make your coverage that much better.

Risk Management Assist:

Every TruShield customer has access to our team of Risk Services specialists who can help guide you through any questions or concerns you may have about the risks your business faces and how to prevent loss.

Trauma Assist:

Suffering a loss to the business you’ve worked so hard to build is not an easy experience. Our Trauma Assist service is designed to help owners and employees cope with the emotional effects of a loss.

Legal expense insurance:

Each TruShield policy includes up to $50,000 of legal expense insurance coverage to help cover legal costs associated with a variety of issues your business could face.

Legal Assist:

Legal situations can get complicated and difficult to understand—we’re here to help with that. TruShield customers have unlimited telephone access to general legal advice to discuss legal matters related to your business.

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TruShield Insurance, 105 Adelaide Street West, Toronto, ON M5H 1P9

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