General Liability Coverage for Common Accidents
General liability coverage normally protects against a range of common accidents, and it’s purchased by businesses in many different industries.
Who needs electrician insurance?
- Electrical Contractors
- Electric Repairmen
- HVAC Technicians
- Heating Contractors
- Lighting Technicians
- Lighting Consultants
- Air Conditioning Contractors
- Construction Companies
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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!
You’ll almost certainly need this coverage, for many commercial contracts and some homeowners will only hire electricians who carry this coverage. If they were to hire someone who didn’t have coverage and became hurt in an accident, the company or homeowner themselves might be held responsible for any injuries that were sustained.
Exactly what a policy’s general liability coverage includes protection for depends on that particular policy’s terms and conditions, but the list of covered incidents usually includes things like trips and slip-and-fall accidents.
Commercial Property Coverage
Regardless of whether your electrical business owns commercial real estate, you’ll probably want commercial property coverage. This coverage can be adapted to cover both commercial buildings, as well as a lot of the equipment and supplies kept in them.
If you do have a building, your commercial property coverage likely should include structural coverage for the building itself. Contents coverage is the portion of commercial property coverage that normally helps protect equipment, supplies and inventory.
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For more information, call us at 1-888-851-5572. If you would like to receive a fast and free quote, visit us on our webpage!