Insurance for Electricians in Texas

When a place's electrical infrastructure goes haywire, it's usually seen as a crisis by most people. But for those working as electricians, it's just another day at work.

Electricians play an important role in lighting up our world. Without their invaluable skills in installing, repairing, and maintaining electrical systems, no one would be able to take advantage of any of the benefits afforded by our electronic technologies.

However, electricians also face a slew of risks while working in their jobs. Live wires and stray currents are daily realities for those in this industry. Every day, electricians have to deal with the possibility of being electrocuted or sustaining other types of injury. That's why electricians like yourself need a dependable insurance policy that can provide coverage against such risks. In this area, insurance professionals from Quote Texas Insurance can help you significantly.

Complete protection for electricians

Simply put, electricians are tradespeople who specialize in installing, maintaining, and repairing electrical wirings, electrical devices, and other related systems. But people working in this industry can be subdivided further into other subtypes based on skill requirements, job roles, and working conditions. Nevertheless, these occupations all rise out of the same knowledge base. Some of the professions covered by this sector are as follows:

  • Owners of electrical contracting company
  • Master electricians
  • Construction electricians
  • Mining electricians
  • Auto electricians
  • Construction electricians
  • Linesmen

At Quote Texas Insurance, we specialize in designing insurance policies that accommodate your needs as an electrician. When you use our services, you can rest assured that you will be provided with comprehensive coverage and excellent services without having to pay for extras you don't require. We Make Insurance Simple! We always begin with the essentials:

  • Commercial general liability insurance – For the most common liability claims that an electrician may encounter, the commercial general liability insurance can provide ample coverage. These include claims for bodily injury and property damage resulting from negligence on the part of the policyholder. In addition to any court-ordered compensation for the other person, the commercial general liability insurance also covers the cost of your legal fees. For instance, a person might visit your electrical contracting company's office and slips on a wet floor. This particular client could take you to court and sue you for bodily injuries. When such incidents happen, your commercial liability insurance can step in to help.
  • Professional liability insurance – This helps protect service-providing individuals such as electricians from bearing the entire cost of defending a negligence claim made by their clients. It also pays for any damages that may be awarded in a civil lawsuit. For instance, if your electronic contracting company is working on a building's wiring systems and you create an installation that is found to be flawed and could possibly cause fire, your clients could take you to court to demand compensation. For claims like this involving compensation demands for shoddy or erroneous work, a professional liability insurance policy can provide coverage.
  • Commercial property insurance – Electricians count on their tools, equipment, and supplies to be able to perform their duties. In case these get damaged or lost due to perils like fire, theft, and vandalism, commercial property insurance can pay for their repair or replacement. Additionally, this policy also helps pay for damage which your main business location might sustain due to similar perils.
  • Workers' compensation insurance – Electricians can be exposed to a variety of risks, whether they are self-employed or working for an electrical contracting company. The most common form of risk they face is electrocution, especially in instances when they have to handle faulty equipment or live wires. Nevertheless, electricians also face other risks that can be brought about by the condition of the place in which they work. Working in confined spaces, construction sites, and on elevated power lines are just a few examples. When you or your employee becomes ill or gets injured while doing your job, this insurance policy will help cover the costs of your medical and hospital bills. Furthermore, workers' compensation insurance can also cover other items, including missed wages and funeral costs, should the injury or illness result in death.
  • Commercial auto insurance – Electricians are always on the go, servicing residential, commercial, and industrial clients. For them, having service vehicles is an absolute must. In the event that your company vehicle figures in an accident, the commercial auto insurance policy provides coverage for physical damage which your vehicle might sustain, in addition to injuries which you or your passengers might suffer. Moreover, it can also cover the costs of your legal defense if there are other people involved in the accident and they decide to sue you to demand compensation.