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You’re serious about what you do, so are we. Whether your business is large or even if you’re self-employed, our electrician insurance options are designed to meet your unique needs as an electrical contractor.
The shocking truth is that you never know when a simple mistake can leave you exposed to a lawsuit. Protect yourself and your business with SMI’s electrician liability insurance. Our Electrician Liability Insurance will cover you in case of:
Many small business owners mistakenly believe that the incorporation process (Inc., LLC) completely separates their business from their personal assets. Unfortunately, that is not always the case. Electrician liability insurance makes sure that you are covered no matter what type of legal entity you have chosen for your business.
There are other risks too, for example expensive tools can get lost, damaged or stolen. What if you can’t replace them immediately? There could be costly delays to the job. We’ve got you covered with tools and equipment coverage.
And as a business owner, don’t forget that if you have anybody working for you you’ll need workers compensation insurance as part of your business insurance for electrical contractor’s package.
ELECTRICIAN INSURANCE COVERS YOU LOCALLY AND NATIONALLY
Why You Need Electrician General Liability Insurance
In the unfortunate case your business is ever sued or held legally responsible for some injury or damage, a general liability insurance policy that is designed specifically for electricians can prevent a legal suit from turning into a financial disaster. Your SMI electrician liability insurance policy may include:
Workers Compensation Insurance for Electricians
Workers Compensation Insurance is designed to help electrical contractor companies pay benefits to employees who are injured on the job. In most states, you are required to carry workers compensation coverage. Even in non-mandatory states it can be a very good idea, particularly if you have many employees or if they are engaged in hazardous activities.
Inland Marine Insurance
Any electrical contractor who regularly moves expensive materials, equipment, or supplies from one job site to another job site should have some type of inland marine insurance. This way, in the event of an accident, the goods or materials being shipped are protected separately from your auto policy.
An umbrella insurance policy plugs holes in your existing coverage. It provides additional protection that kicks in when the primary electrician insurance coverage has been exhausted.
Bonds are commonly used in the construction or electrician industries, as an assurance between the contractor and the client as well as between a general contractor and his or her subcontractors. We offer insurance for the following:
Call 773-777-1922 for a free quote or consultation.