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Electrical Contractors Insurance

Working with electricity is a dangerous profession. Whether you are an independent contractor or the owner of an electrical company, it is your responsibility to prepare for all the potential risks on the job site. Protect yourself and those under your employment with the right electrical contractor’s insurance coverage.

Electrical insurance is made out of the following three components:

General Liability Insurance
If a third party is on your premises and they sustain a bodily injury and cause property damage, general liability covers you and your business.

Property Damage Coverage
Whether you own or rent any office or warehouse space, property damage coverage. There are additional endorsements you can add to cover your electrical tools and equipment.

Workers’ Compensation
If your employees get electrocuted, injured, or ill in some other way while they are on the job, this policy provides coverage for their medical bills, lost wages, and physical therapy.

The prices of coverage can be shockingly low. What’s more, you get the peace of mind that your contracting business is safe. Visit the experts at Contractors Insurance Agency for your needed electrical contractors insurance.

Our Electrical Contractor's Program includes...

  • $5,000 Builders’ Risk/Installation Coverage …………………………………. $250 deductible
    Includes: Loss of Rental Income, Scaffolding and Construction Forms, Soft Costs, Testing, And Property in Transit and in Storage at Unscheduled Locations
  • $2,500 Contractors Portable Tools – $1,000 per tool …………………………………. no deductible
  • $2,500 Accounts Receivable …………………………………. $100 deductible
  • $2,500 Valuable Papers and Records …………………………………. $100 deductible
  • $2,500 Damage to Property Being Worked Upon and Property Borrowed …………………………………. $100 deductible

Included with Property Coverage...

  • Business Income and Extra Expense – Actual Loss Sustained ………………………………….  no waiting period
  • $2,500 Money and Securities …………………………………. $100 deductible
  • $2,500 Signs Attached to buildings …………………………………. $100 deductible
  • $2,500 Outdoor Property – Broad Causes of Loss
  • $10,000 Electronic Data Processing Equipment – Additional Causes of Loss
  • 5% Building Inflation Guard
  • 25% Temporary Business Personal Property Limit Increase

Optional Coverages

  • Business Auto
  • Contractors Errors & Omissions
  • Crime
  • Umbrella
  • Inland Marine Floaters
  • Workers Compensation

“We saved over $2,705 on our insurance. A great savings for a small company like us.
We are really happy with your service.”

Rick Francis, Rick’s ElectricOxford, MI