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Appropriate Insurance Solutions for Your Operations
Professional electricians provide critical specialized services to consumers, construction companies, general contractors, businesses, governments and any other organizations that need electrical services. As an electrician, you may find yourself making repairs one day and installing new electrical equipment fifty miles away the next. Keeping on top of your customer’s needs, scheduling, up-to-date information in your industry and regular business administrative tasks can be quite daunting. The last thing you need is to worry about having an accident happen that costs you enormous amounts of money. Protect your company with the right types of business insurance.
General Liability For Electricians
General liability coverage protects you when accidents happen that bring harm to your customers or their property. This business insurance provides a broad level of coverage, and includes just about anything that is not specifically excluded on your policy. It also grows with your company to provide protection for new locations and new electrician products or services you choose to add.
General Liability Insurance Includes:
- Premises Liability - Premises liability protects your customers when they are at your workshop or retail space. It also protects them when you are working at remote jobsites. If a customer receives bodily injuries on your premises or work area, your premises liability insurance will pay for the medical bills. This insurance also pays for property damages that occur at your place of business.
- Products Liability - If the products that you sell to your customers bring harm, suffering or property damages, your customers may sue your electrician company. Even if you did not manufacture the products, if they are found to be defective or to be the cause of bodily injuries and property damages, you may have to defend yourself from the legal actions. Products liability coverage pays for lawsuits related to products, and can pay the injury and damages settlements.
- Completed Operations - After you have finished performing electrician services for your customers, they may claim that the operations you completed for them caused problems. Claims or problems that include bodily harm or property damages are covered by your completed operations insurance. This coverage pays for the medical or repair bills that arise, and can pay for your legal defense fees as well.
Business Owners Policy (BOP)
General liability is included in a business owners policy, or BOP. A BOP provides you with additional business insurance protection for your company assets. Asset protection includes tangible items such as your electrician tools, and intangible assets such as your company payroll. Other examples of BOP coverage options include:
- Buildings and Contents
- Business Income and Extra Expense
- Electronic Data
- Newly Acquired or Constructed Buildings
- Employee Dishonesty Coverage
Electrician's Auto Insurance
Electricians drive daily as part of their business duties. You may drive from your office to a client’s work site, or drive between work sites to complete your contractual obligations. Increased driving increasing the risk that you will be involved in an auto accident. Electrician's auto insurance protects you from having to pay for bodily injuries and property damages that arise from those accidents. It can also protect you from vehicle theft, cargo losses and more.
Workers Comp For Electricians
If you have electricians as employees in your company, you must carry workers comp insurance for them. If they ever become injured while performing their job duties, workers comp will pay the medical and recovery bills that result from that accident.