As an electrical contractor, you know there are many risks associated with your work. When you’re working to install or maintain an electrical wiring system, whether it’s a refrigerator or industrial equipment, you may face liability risks that could threaten your business. For example, someone could be injured at your worksite due to high voltage, heavy or loud equipment like a ladder or power tools, or a fire from faulty wiring. Even when you take all the precautions to perform safe, high-quality work, incidents like these can still occur, leaving your business vulnerable if you don’t have electrical contractor insurance to protect you. Electrical contractor insurance protects you against the risks associated with your trade, and it’s important to have the right electrical contractor insurance before you need it.
General Liability Insurance: General liability insurance will protect you from bodily injury and property damage coverage. This is the most common type of contractor coverage.
Commercial Auto Insurance: This is coverage for your vehicle. If you’re using your pickup truck for work-related purposes, you need to have a special policy for commercial use.
Commercial property insurance: Commercial property insurance protects commercial property from perils such as fire, theft and natural disaster.
Workers’ Compensation: This coverage is regulated by the state. If you run a business by yourself, you don’t necessarily need workers’ comp insurance. The coverage protects your workers from work-related injuries until they can get back to work.
Summary: As one of the nation’s leading insurance agencies, Modern Insurance Partners offers robust, unique electrical contractors insurance to meet your needs, and we’ll protect your business so you don’t have to.