The success of your electrical contracting business relies on being prepared for any contingency, with insurance specifically designed for electrical contractors. Let us find you the best prices for your business fast.
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Working at the business end of thousands of electrical volts every day makes having electricians insurance a no brainer. Insurance for electrical contractors should cover more than the mere provisions of a standard commercial general liability policy, however.
Wherever you work in Ontario, guarding against the dangers of accidents and property loss requires comprehensive coverage to protect your equipment, tools, vehicles, and property.
If you run your electrical business from an office or shop, commercial property insurance is essential in order to protect your business from theft, fire, vandalism and other hazards.
Home-based electrical businesses don’t need commercial property insurance. Remember, however, that your home insurance policy doesn’t cover business-related tools, equipment and materials that you may store there. Talk to your insurance representative to make sure you have the right coverage.
Electricians insurance can be tailored to cover your vehicle and/or fleet to protect you against any liability arising from an accident when you or your team are on the road. Protecting your business completely means having comprehensive coverage of all aspects of your business model including the company van or fleet of vehicles.
If you use your personal vehicle for business, your regular personal auto insurance policy is not enough. The extra coverage will cost you a little more, but it’s better than having your claim denied!
The most important coverage for an electrician is general liability protection. You can protect yourself and your business from legal action or other financial liabilities arising from most incidents for which you are held responsible due to a contract, court decision, or other obligations. Potential liabilities for electrical contractors include:
This option helps you pay for loss or damage to tools owing to theft or some other mishap. Electricians tool insurance protects the equipment that you use to complete electrical repairs or installation. Tool coverage insures your tools as well as any tools you rent or borrow for business purposes. If your own tools are lost or damaged, your policy can also cover the cost of renting tools in the short term so that you are able to continue to serve your customers until you are able to replace the originals.
After understanding your electrical contracting operation, we will do the ‘shopping around’ to find you the best-priced policy. We’ll explain exactly what’s covered as well as what is not covered so you can be confident knowing you are well protected by your commercial insurance package.