Electrical Contractors Insurance in California
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.
What our clients are saying:
It has been an absolute pleasure working with Modern Ins Co. They plugged gaps in my coverage by increasing my property limits and adding theft coverage for my retail operation. I was able to use their online application wizard to simply the information gathering and quoting process. This really saved me a lot of time especially during the Covid crisis.
A G-T
After an initial free insurance analysis, Modern Insurance Partners found out that our contractor requirements were not being met and that we had GAPS in our general liability insurance. They showed us our GL was actually coded improperly, which affected their workers’ comp insurance, the property insurance, as well as our excess coverage.
So had anything happened as far as our products or employee injuries, it would have left us completely exposed. Many thanks to Rudy and the team at Modern Insurance Partners!!
So through some digging, Modern Insurance Partners helped me provide a written safety statement and a three point independent investigation. Modern also spoke to our lawyers to get a clarification letter regarding the land adjacent to their property, and then with their carrier communication, we were able to actually elevate all of the different property coverages so now the it is adequate for the true cost of the property. We really appreciated the thoroughness of Modern Insurance Partners!
R M
Before Modern Insurance Partners came through our door, our property coverage was limited to about a $100,000 on the building.
We were able to increase that to almost a million dollars of coverage based off what they discovered. There had been a false claim from some developers behind our property.
So through some digging, Modern Insurance Partners helped me provide a written safety statement and a three point independent investigation. Modern also spoke to our lawyers to get a clarification letter regarding the land adjacent to their property, and then with their carrier communication, we were able to actually elevate all of the different property coverages so now the it is adequate for the true cost of the property. We really appreciated the thoroughness of Modern Insurance Partners!
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