As a licensed Electrical Contractor in Ontario, your work involves wiring and electricity. Risks in your work can be managed with electrician insurance.
Electrician insurance is protection for those doing electrical work in new or older homes, expanding service in an existing property, or electrical work for commercial, industrial, or agricultural operations.
Electricians whose work involves wiring and electricity need electrical contractors insurance to protect themselves and their businesses as well as the people who hire them. Electrician insurance can provide protection while a job is underway and after it is done.
Broad Form coverage for perils of fire, theft, vandalism, to name a few, on your owned property such as your business location.
Coverage for electricians’ tools and other items when taken off your premises. Higher-valued items may need to be itemized on your policy.
Covers theft of items to be installed at a customer’s premises while they are in transit and at a job site before installation.
Protects against bodily injury or property damage to a third party if you are responsible for injury or damage. This coverage is mandatory in Ontario per the Electrical Safety Authority (ESA). A minimum of $2 million coverage is required.
Cyber protection is a must in today’s world. One system hack or stolen laptop can expose you and your business to a range of problems. Here are some examples that indicate you need cyber liability insurance:
Vehicles you use for work must be insured for “commercial use” otherwise, the insurer may not provide coverage should an accident occur.
Our commercial brokers at Morison Insurance provide coverage specifically for electricians. We are here to help. Call us today to get a quote or fill out the contact form on this page to get started.