Electrician 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.
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.
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? These terms are likely familiar to you if you’re an electrician, electrical contractor, or electrical technician.
Here are some examples of electrician businesses that should be protected:
The simple answer is to help you get back to business in the event of an unexpected loss.
We’ll build you a customized policy that meets your business’ unique needs.
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 could help protect you.
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.
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 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 potential losses.
The cost of electrician’s insurance depends on a few things, including what coverages you need and additional coverages you’d like to include (such as commercial auto insurance).
Factors that can affect your premium include the following:
We’re as flexible as you need us to be.
We’re always open for you. With around-the-clock claims support by phone and online, we ensure settling a claim is fast, simple, and stress-free.
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.
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.
There’s more to your TruShield policy than meets the eye. Here are a few other ways we make your coverage that much better.
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.
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 Assist provides you access to legal advice and practical solutions for matters affecting your business. It includes a telephone legal helpline, document review and drafting services, and access to customizable legal templates.
* Legal Assist services are not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage and are not an insurance policy. Legal Assist services are provided through ARAG Legal Solutions Inc. by lawyers licensed in the province or territory of your residence.
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