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What Is Electrician Insurance?

As an electrician, you’re apt to encounter risks on the job that could expose your business to certain liabilities, lawsuits, and financial loss. When you’re covered by a comprehensive electrician insurance policy, you won’t have to worry when accidents happen.

Electrician insurance is made from a bundle of specific types of business coverages. Its purpose is to protect businesses that provide electrical services from a variety of property and liability risks. This type of coverage can benefit large, small, and medium-size companies, as well as self-employed electricians, contractors, and subcontractors.

What Businesses Need Electrician Insurance in Massachusetts?

Hiring uninsured electricians is risky, and many potential clients won’t even consider working with an electrician who doesn’t carry an insurance policy. Because of this, it’s crucial for all electrical businesses to have coverage.

Electrician insurance is strongly recommended for:

  • Any electrical business with paying clients needs protection against injuries, property damage, natural disasters, lawsuits, and other potential losses.
  • At a minimum, Massachusetts law requires every business to carry workers’ compensation insurance (and commercial auto insurance if vehicles are used for commercial purposes).

What Do Electrician Insurance Policies Cover?

This will differ for every business, but here are a few common coverages:

  • Commercial property coverage: Protects equipment and inventory being stored at your place of business in the event of a covered cause of loss (i.e. fire or theft, depending on your coverage).
  • General liability: Protects against any claims of bodily injury, property damage, or reputational harm from third parties.
  • Inland marine coverage: Covers your materials, products, and equipment during land transport or while temporarily stored in a third-party facility.
  • Professional liability: Protects you from lawsuits that claim negligence, misrepresentation, or inaccurate advice. This is also commonly referred to as errors and omissions (E&O) insurance.
  • Umbrella: This is coverage you can fall back on should you need help paying for your legal defense or court-ordered settlements and your other types of insurance aren’t enough to cover the cost.
  • Commercial auto: Covers any vehicles owned by your business. In Massachusetts, this is required coverage.
  • Workers’ comp: Requires all employees to be protected should they suffer an injury at work or job-related illness.
  • Cyber liability insurance: Covers first-party cyber attacks on a company’s own network and provides legal defense and indemnification for third-party breaches.
Types of Incidents & Claims Covered by Electrician Policies

When you submit a claim, you can expect the following items to be covered by your policy:

  • Medical or legal expenses for employees or clients who are injured on job sites
  • Reimbursement for tools that were stolen from job sites
  • Bystander injuries on or near job sites
  • Property damage due to covered loss (for example, as a result of extreme weather or theft)
  • Car accidents that occur during work or on the way to a work site
  • An employee getting shocked by a stray wire
  • Mistakes that lead to electrical fires
What Do Electrician Insurance Policies NOT Cover?

Some situations that you’ll encounter on the job will fall outside the scope of what your insurance covers. These include:

  • Car accidents that occur during personal use
  • Damages due to earthquakes or floods
  • Intentional accidents (for example, an employee knows a wiring connection is faulty but doesn’t fix it)
What Does Electrician Insurance Cost?

When it comes to determining electrician insurance policy premiums, there’s no one-size-fits-all approach. Some factors that have an impact on what you’ll pay for coverage include:

  • Number of employees
  • Cost of assets
  • Industry
  • Coverage limits
  • Past claims history
Why Choose C&S For Electrician Insurance?
  • We get you the most competitive rates. With access to all the top carriers for business insurance, we can give you more options than other agencies. More options mean more competitive pricing and, quite often, better terms.
  • We maintain a dedicated Claims Department, so there’s always someone on hand to support you when something goes wrong. A dedicated claims department also means your claims get closed out faster, which is key to maintaining a healthy loss history.
  • We know commercial insurance. Our commercial insurance industry experts have years of experience helping tradespeople just like you, so we know what matters most for your business.

Need urgent help with a claim? Contact us now.

Outside our regular business hours, press “9” when prompted, to reach our 24/7 call service or contact your carrier directly.

Our Clients Say it Best

“We have been long-time customers who can always depend on C&S to meet our insurance expectations and needs. Everyone is professional, courteous, expert in their field, and happy to please. We would recommend C & S to anyone looking for a new insurance agency.”

Customer since 2002

“I’ve been with C&S insurance for 10+ years . They continue to give me the best advice to fit my needs and always look out to get me the best possible price that fits my budget. Leslie and her staff are always there day and night to make sure all my insurance needs are met. I highly recommend them for all your insurance needs. Thanks again for the A+ service.”

Eric R.
customer since 2008

“Stellar customer service on both the Business and Personal lines. Attentive and responsive for my needs at Redi-Mix Services as well as the autos for myself and my son Tyler. Great Team!”

Mark H.
customer since 2017
Ask the Expert
Eric McLaughlin, AAI
Partner & Executive Vice President
Eric McLaughlin brings considerable experience in commercial insurance to the C&S team, specializing in coverage needs and risk management for post-acute healthcare facilities, transportation including multi-state fleets, as well as cannabis-related businesses. His experience with captives and high-deductible programs is invaluable to our clients who want to take their risk management strategy to a higher level, and have more control over their total cost of risk. Eric works closely with his clients to understand their operations and unique risk profiles. He acts as a dedicated advisor and partner, ensuring that clients’ insurance programs continually evolve to address changes both internally and on an industry level. Outside of work, Eric enjoys spending time with friends and family. Born and raised in the Bay State, he is an ardent Boston sports fan. Eric resides in Marshfield with his wife and two children.
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Frequently Asked Questions
What is electrician insurance?

Electrician insurance is made from a bundle of specific types of business coverages.

Read More
How much does electrician insurance cost?

Since policies are made to fit individual needs, there’s no one-size-fits-all approach to determining premiums.

Read More
What insurance does a self-employed electrician need?

Some types of coverage that self-employed electricians should consider are: general liability, commercial property insurance, professional liability, commercial auto, and umbrella.

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