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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.
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 would 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 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.
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 make settling claims 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.
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