Electrician Insurance

Ensure your electrical contractor business is properly and fully covered with the right policy for electrician businesses.

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What Kinds of Risks are Covered by Insurance for Electricians?

Insurance for an electrician is absolutely essential, given the many risks they face. It's not uncommon for workers in this industry to be injured, so workers’ comp is crucial. Accidental fires and tool theft or damage should be covered by a business owners policy or BOP (also called property & liability insurance). A commercial auto policy is important as you drive from job to job. And, many projects and job sites require a Certificate of Insurance (COI) for electricians, which is available online as soon as you purchase an electrician insurance policy from us.

Any Business That Offers Electrician Services Needs Electrician Insurance, Including:

• Commercial electricians
• Construction electricians
• Electrical contractors
• Electrical journeymen
• Electrical linemen
• Electrical technician
• Fiber optic testing
• Industrial electricians
• Low voltage electrical work
• Maintenance electricians
• Master electricians
• Residential electricians
• Wiring services

What are the Different Types of Electrician Insurance?

At biBERK, we offer six different types of insurance for electrician business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. A workers’ comp policy can cover medical costs, legal fees, and lost wages due to the injury.

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General Liability insurance

Also known as commercial liability insurance, a general liability policy is important, because general contractors and landlords often require a policy before they hire you. The policy covers damages and legal costs associated with injury claims by customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your electrician insurance policy, including contractors installation, tools & equipment, cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

General Liabilitychevron_right

Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP to create the best insurance for electrician businesses with add-ons for contractors installation, tools & equipment, cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policychevron_right

Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

Commercial Autochevron_right

Cyber insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Cyber Insurancechevron_right

Umbrella insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Umbrella Insurancechevron_right

How Much Does Electrical Contractor Liability Insurance Cost?

The cost of electrician’s insurance is calculated based on a number of factors. These include your location, business size, and claims history. You can get electrical company insurance quotes  online for the different policies you need, which will provide insights into questions like, “How much does electrical contractor liability insurance cost?”

Why biBERK for Insurance for Electrician Businesses?

We’re the experts when it comes to small business insurance.

Save time.

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money.

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.

Experienced.

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.

Get an Electrical Company Insurance Quote Today

See why biBERK is easier and more convenient for electrician insurance when you obtain your free quote online.

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