Ontario Electrician Insurance
As a licensed Electrical Contractor in Ontario, your work involves wiring and electricity. Risks in your work can be managed with electrician insurance.
What is 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.
Who Needs Electrician Insurance?
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.
Electrician Insurance Coverages to Consider:
Commercial Property Protection for Electricians
Broad Form coverage for perils of fire, theft, vandalism, to name a few, on your owned property such as your business location.
Tool & Equipment Floater Protection for Electricians
Coverage for electricians’ tools and other items when taken off your premises. Higher-valued items may need to be itemized on your policy.
Installation Floater Protection for Electricians
Covers theft of items to be installed at a customer’s premises while they are in transit and at a job site before installation.
Commercial General Liability Protection for Electricians
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 Liability Protection for Electricians
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:
- You use laptops or tablets for work.
- You process credit card payments on a cell phone or tablet.
- You store customers’ names, addresses, phone numbers, and credit card information.
- You do contract work for large commercial clients.
Commercial Automobile Insurance for Electricians
Vehicles you use for work must be insured for “commercial use” otherwise, the insurer may not provide coverage should an accident occur.
Potential Losses Electrical Contractors May Face
- Theft of tools and equipment.
- An electrical installation led to a fire alleged or proven to have started where your employees were working.
- A vehicle you own and use for work is in an accident, and the insurance company was unaware that it is used for business. Repair costs may not be covered without proper insurance.
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.
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At Morison Insurance we represent dozens of Canada’s best insurance companies. All provide competitive prices, excellent service and outstanding claims service. We will shop at all of these companies to get you the best insurance for your individual needs.