IndustriesElectrical
Electrical insurance
Electrical contractors install and repair wiring, panels and systems that must perform safely for years after the job is finished. States license electricians.
Risks on the jobElectrical
- Fires traced back to wiring after completion
- Shock and electrocution injuries
- Damage during installation in occupied buildings
- Contract requirements from general contractors
Coverage commonly carriedCoverage
- General liability. Claims of bodily injury and property damage to others arising from your work.
- Workers' compensation. Medical costs and lost wages for employees injured on the job.
- Commercial auto. Trucks, vans and trailers owned or used by your business.
- Tools and equipment. Tools and equipment on the job site, in transit and in storage.
- Commercial umbrella. Higher liability limits above your general liability, auto and employer's liability.
QuestionsFAQ
Is a fire caused by my wiring covered?
Damage caused by your completed work is generally covered under completed operations, subject to the policy's terms.
Do electricians need professional liability?
Contractors who provide design services, such as designing systems for others, may need professional liability in addition to general liability.
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