Electrician Insurance in Massachusetts

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Electrician Insurance in Massachusetts

What is electrician insurance?

Working as an electrician comes with inherent risks, ranging from potential shocks, to possible car accidents, burglaries and fires. Electrician insurance may help electrical contractors in Massachusetts get protection against many of the risks they face.

Electrician insurance is specifically designed for electricians and their businesses. Policies usually afford electricians both property and liability protections.

Which electricians in Massachusetts is small electrical business insurance for?

Electricians in Massachusetts should generally be insured. Self-employed electricians, local electrical contractors, and even regional businesses with multiple electricians may get these policies.

Electrician Insurance Massachusetts
Electrician Insurance Massachusetts

Do electricians working for an employer need their own insurance?

Electricians normally receive coverage through their employer, when performing work within the scope of their employment. It might be prudent to make sure an employer has sufficient coverage, but there’s usually no need to purchase a separate policy when working as an employee.

A separate small electrical business insurance policy is likely needed if electricians moonlight on their own, however. Work that’s not done for an employer is unlikely to be covered by the employer’s policy.

Additionally, electricians might need their own insurance when hired as a subcontractor or an independent contractor. Subcontractors technically have their own businesses, and thus frequently aren’t always by the hiring contractor’s policy. 

An insurance agent specializing in small electrical business insurance can help electricians determine whether they need their own policy, and find one if they do.

What insurance coverages should electricians look for when purchasing a policy?

Small electrical business insurance typically includes several coverage options that could be important to have. Some to consider are:

  • General Liability Coverage: Might insure against third-party injuries or property damage resulting from routine (non-auto) accidents.
  • Errors and Omissions Coverage: Might insure against errors in work that lead to injury or damage.
  • Commercial Umbrella Coverage: Might offer additional liability insurance coverage, in case there’s a major lawsuit.
  • Commercial Property Coverage: Might insure property owned by an electrical contractor, such as tools, equipment and supplies, when at a facility.
  • Inland Marine Coverage: Might insure tools, equipment and supplies while they’re being transported between locations, such as from a facility to customer sites.
  • Commercial Auto Coverage: Might insure an electrical contractor’s commercial van or truck.
  • Business Income Coverage: Might insure against revenue loss when a natural disaster, or similar event, makes it impossible for an electrician to work.

Do electrician policies cover damage caused by electrical faults or fires?

Yes, damages arising from electrical faults or fires are often covered if they’re due to an error in work. This is usually within the scope of what an electrician policy’s errors and omissions (E&O) coverage protects against.

Of course, it’s especially important to make sure sufficient coverage for faults and fires is in place. A single fault or fire could cause extensive damage and injury. An insurance agent who’s worked with electricians will be able to find a policy that has solid E&O coverage.

Electrician Insurance Massachusetts

Do electrical contractors need to carry workers compensation coverage?

Workers compensation normally protects against work accidents that result in injury, which certainly is a concern for electricians. The coverage is typically required by Massachusetts law if a business has employees.

Thus, most electrical contractors who hire employees need to get workers compensation. Those who are self-employed or only hire subcontractors might not need the coverage. 

A knowledgeable insurance agent can help determine whether the coverage is needed, and find a workers compensation policy if one is required.

Does a homeowners insurance policy adequately cover self-employed electricians?

Homeowners policies sometimes are able to cover basic home businesses, but electrical work is far beyond the businesses that most homeowners policies can extend coverage for. Self-employed electricians generally need an electrician policy, even if they’re self-employed and running a solo business.

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Where can electricians find good electrician insurance?

If you work in Massachusetts as an electrician, contact the independent insurance agents at Platinum Insurance for help finding a good insurance policy. We’ll make sure you get an electrician insurance policy that’ll keep you and your business protected well.