Electrician Business Insurance

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Why Electricians Need Business Insurance

As an electrician, you may connect, assess, and repair electrical systems at a variety of residential and commercial job sites. Working with live wires, active circuits and specialized equipment - whether in a home, office, or building under construction - can expose your electrician business to risks that are unique to your industry. Electricians must also anticipate and manage risks that are common to most small business owners, like property damage to your office or loss important files and account records. Learn about the insurance coverages small general and commercial electrical contracting businesses need, and most often purchase, from The Hartford.

Business Owner’s Policy

Most electricians choose the coverage of a Business Owner’s Policy (BOP). A BOP helps protect your electrical contracting business in much the same way homeowner’s insurance policies help protect people’s homes and personal possessions. 
By combining three basic insurance coverages that are important to most small business owners, including electricians, a BOP can help save you money on insurance rates while safeguarding the contracting business you’ve worked so hard to build.
  1. General Liability – helps protect your electrical contracting business from certain lawsuits alleging injuries or property damage that occur as the result of your business operations, like if a customer enters your office, trips over the doormat and is injured, or employee causes damage to a customer’s property while attempting to make a service visit. It even helps cover certain claims of slander and libel. Business Liability insurance does not cover liabilities directly arising out of the professional services electricians may provide.
  2. Commercial Property – helps protect the place where you do business and the tools and equipment you use to conduct business – like hand and power tools, ladders, voltage meters and more – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your electrical contracting business because of covered property damage.
Learn more about our Business Owner’s Policy for your small electrician business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Electrical contractors depend on power and communication services for their day-to-day business operations. Imagine the impact to your electrical contracting business if you had no access to electricity for an extended time. Business Income for Off-Premises Utility Services Coverage (OPUS) covers loss of income caused by interruptions in utility services beyond your control, such as when a storm knocks out power lines, cutting electrical service. Unlike most other insurance companies’ offerings, OPUS coverage from The Hartford starts as early as 12 hours from initial interruption of utility service.
With OPUS, electricians can get insurance that provides power interruption protection and safeguards their income against outages of other utilities as well.
Like most small business owners, electricians depend on computers to communicate with customers, calculate estimates, file permits, manage their accounting, store important documents, and more. 
Computers and Media Coverage helps pay to research and replace lost data and the resulting loss of business income, if your electrical contracting business’s computers are damaged or a virus corrupts your records.
The tools and equipment you use as an electrician are vital to running your business. Imagine the impact to your business if the tools on your service truck or the voltage meter that you use every day were lost, damaged or stolen. The Hartford offers a range of insurance coverage options that can help pay for the replacement or repair of all types of owned, borrowed, or leased tools and equipment you use to run your electrical contracting business.
Have you ever borrowed a truck or other vehicle for business, say to pick up electrical supplies, travel to a jobsite, meet with a customer, or more? Unlike most personal auto insurance policies, Non-Owned Auto / Hired Car Coverage helps cover you when a borrowed, leased or rented vehicle, used for your electrician business purposes, is involved in an accident. 
For businesses without owned or long-term leased vehicles that would need to be covered on a Business Auto policy.
You depend on your employees to make your electrical contracting business a success. And the benefits you provide help keep them motivated to do great work. However, errors in administering your employee benefits could be costly.
Employee Benefits Liability Coverage helps protect your electrical contracting business if you are sued for an error or omission in administering your employee benefits program, including your group health insurance.
Bundle Insurance Coverage for Electrician Businesses
It’s easy to increase your electrical contractor Business Owner’s Policy (BOP) protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key insurance coverages. For electrical contractors like you we offer:
  • Contractor’s Stretch
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right coverage for your electrical contracting business.

Additional Solutions

If you have employees, use a car for work, or work from home, your electrician business may also benefit from:
Other Important Insurance Options for Electrician Businesses
Required by most states, workers’ compensation insurance provides benefits to your employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the worker’s family should decide to sue you, this insurance coverage can help you with related legal fees. Electrical contractors are among the many businesses that have been turning to The Hartford for workers’ compensation coverage for more than a century. 
Do you use your truck or car for business-related errands, such as picking up electrical supplies, getting permits or visiting a job site?

A Business Auto Policy provides coverage generally not included in a personal auto insurance policy. It can cover you or an employee when an owned vehicle, used for business purposes, is involved in an accident. 
If you run your electrical contracting business out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides coverage not generally available with a homeowner’s insurance policy.

Ask yourself, “Do I have customers come to my home, do I receive deliveries or mail for my business at home, do I have employees or electrical inventory at my home?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your electrical contracting business.

Learn More About Home-Based Business Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.