Electrical Contractor Insurance for Contractors
You run a business pulling miles of wire through walls and pipes. You may install expensive lighting in both residential and commercial properties. Perhaps you install HVAC systems or appliances. Your electrical contractor business in Texas is special and you’ve worked hard to develop a reputation for quality and timely work. You need to protect your electrician business with a proper insurance policy.
Who needs electrician insurance?
- Electrical Contractors
- Electric Repairmen
- HVAC Technicians
- Heating Contractors
- Lighting Technicians
- Lighting Consultants
- Air Conditioning Contractors
- Construction Companies
Electrical Contractor insurance can encompass the following types of coverage:
- General Liability: Also known as commercial liability insurance and covers general liability of the business. It is a broad coverage. It is a smart move to have a general liability insurance policy in place.
- Commercial Auto Insurance: Your commercial autos, like a pick up or box truck, should be protected. A commercial auto insurance policy can help protect your work vehicle will going to/from jobs and while being stored.
- Business Owners Insurance: BOP coverage can provide additional coverage for your business such as property coverage, loss of income identity theft and more.
- Workers Compensation: Workers comp can help cover the medical costs as well as wage loss of an employee who is injured on the job.
- And more!
Let the experts at Heaton Bennett Insurance assist you in setting up an electrical contractor insurance policy. They can assist with coverage, explain state liability insurance requirements and help with specialty needs general liability. For all your electrician insurance needs call Heaton Bennett Insurance at 512-372-8311.
Frequently Asked Questions
Can electrician insurance cover accidental damage at a customer’s property?
General liability insurance may respond to certain covered claims involving accidental property damage or bodily injury. Whether coverage applies depends on the incident and the policy’s conditions, exclusions, limits, and deductible.
Are an electrician’s tools and equipment covered at jobsites?
Coverage may be available for eligible tools and equipment stored at a shop, transported between locations, or used at jobsites. Texas electrical contractors should review applicable limits and theft-related requirements.
Does electrician insurance cover faulty work discovered after a project is completed?
Products-completed operations coverage may respond to certain covered claims arising after work is finished. It should not be assumed to cover replacing faulty work, contractual guarantees, or every construction defect claim.
Are subcontractors covered under an electrical contractor’s policy?
Subcontractors are not necessarily covered automatically. Electrical contractors should review certificates of insurance, written contracts, additional insured requirements, and subcontractor exclusions.
Do electricians need commercial auto insurance?
Commercial auto insurance may be appropriate when vehicles are used to transport employees, wiring, tools, or equipment. Personal auto policies may limit or exclude certain business uses.