North Dakota Electrical Contractors Insurance

George is an accurate & cautious electrician. He takes his time on every job. Because he understands the importance we place on having sound and reliable electricity. George had finished the electrical work on a client’s remodeling project. Everything had come out splendid, perfect, as usual.

The customer was delighted. George got paid for a job well done, so he was joyful, and business carried on. About a year later, George received a troublesome call from his client. The client is stating that his electrical work had gone faulty one night.

It was causing the lights to go out as a home guest was walking down the stairs. The loss of light caused the guest to fall down the remaining stairs injuring herself. The guest broke her hip and bruised a rib. George’s client insisted that this was George’s fault and that he would need to pay for the guest’s damages. Luckily, George had a good Electrical Contractors Insurance policy.  That policy was able to protect any work that he was liable for doing.

An electrician’s job is never done. Even upon completing a specific job, there will always be plenty more work to do. Sure, the wires have been tightened. The switches are all installed.  Everything works great! But the liability that comes with this job keeps going, even after completed. Electricians Insurance policies cover the jobs an electrician is currently working on. As well as protecting those completed jobs you did already. This allows an electrician to focus on the tasks at hand. It is letting them forget about potential liabilities down the road.

What is Electrical Contractors Insurance?

Electrical Contractor Insurance is not a single type of policy. It is a combination of commercial coverages.  These coverages offer your electrical business protections against its unique risk factors. Many coverages can be added to your electrical contractors’ insurance. There are some industry-standard coverages that all electricians should have.

Buy Electrical Contractors Insurance Coverage for All Your North Dakota Business’s Needs

Electricians have more general insurance needs. These can be protected by an Electricians’s Insurance policy as well. Those needs include but are not limited to:

• Commercial General Liability Insurance:  Commercial general liability insurance offers coverage for third-party claims. Claims for bodily injury, property damage, advertising injury, and other losses.
• Commercial Property Insurance: Commercial property insurance offers coverage for your business’s building.  Along with the equipment, supplies, inventory, and other business property housed within it. This coverage protects against the damages or losses caused by a break-in. Also, acts of vandalism, fire, extreme weather event, and so on.
• Commercial Auto Insurance: Commercial auto insurance offers protection for company vehicles. Also, the employees that operate them. This policy offers bodily injury liability, property damage liability, and medical payments coverages.  This policy can also extend coverage to personal vehicles. Vehicles your employees operate for commercial purposes. But please beware that personal auto policies can exclude autos used in business. We are talking about autos carrying tools and materials.
• Workers Compensation Insurance: Workers’ compensation insurance is required if you have employees. This type of insurance offers coverage for injured employees or who become ill while on the job.  You should never pay a medical bill out of pocket. This would result in the insurance company having no defense.  There would be no defense in turning down or disputing the claim.
• Surety Bonds: A surety bond is like a loan from a bank.  Paying it back is a requirement. They are client guarantees that your business can fulfill the terms of the job. But it also protects your clients against any liability or malpractice issues; issues that might arise because of your work.
• And many more!

The specific needs you have as an electrician are unique. An Electrical Contractor Insurance policy allows you to tailor the policy or policies.  Tailoring it fit your exact requirements. Giving you the coverage you desire at an affordable rate.

Contact North Dakota Contractors Insurance. Make sure you have the right coverage at the best price.

Do you have the right general liability policy to cover your electric business? Most policies need to be more customized to fit your specific needs. It would be best if you had the full protection you desire.  To be sure, complete our quick quote form. Or give us a call at 952-222-8073. We can review the policy you have now, making sure the coverage is adequate.  Then we can provide a no-hassle, free quote as an alternative. We are confident that our North Dakota insurance specialists can help you find affordable electrical contractor insurance. North Dakota Contractors Insurance can answer all your questions. Our dedicated team is eager to assist you and meet all your insurance needs.

We look forward to hearing from you!